Bank of America Mortgage Reviews

After few weeks waiting for a check in the mail called back. Nobody knows nothing. Someone said to send letter and start over. Someone said call Delaware state unclaim, since I live in MD. I mentioned why since I don't live in that state. No record, and said to check in 2 months. Call back to Bank of America today they said check with State of Maryland. They said don't have nothing. Just wonder where is my money. Wonder if someone can help against big corporations.

Had I have known this I would have not done a loan with Bank of America. They should have disclosed this at settlement and did not or is it stated in my paperwork. Now they said to take out a home equity loan to pay off my mortgage payment. I don't think it is right to charge an extra 10,000 in interest for using 6 budget fitter coupons. This is ridiculous. After paying over 15 years my mortgage should be done and if I don't pay 10,000 dollars in two months I will default which will ruin my credit as well as having to pay 25 percent interest on the balance. This is unfair and unethical. I signed for a 15-year conventional loan at 6.50 percent not a daily interest bearing loan. That is why they do this to get you to do a home equity loan and that should be illegal and there should be a class action lawsuit against Bank of America. I'm sure they have done this to many other people. They are a terrible bank and mortgage company to deal with.

I have spent weeks on the phone, eventually refusing to talk to anyone except my case manager. How do I get in touch with him? I have to keep calling back, over and over and over, till he happens to pick up. How fun is that? Once he realized I was going to keep after him to took note and decided to call me every Monday with updates. I've been speaking with him weekly, often more than weekly, since March and he told me my modification was approved and all we were doing was waiting for the final paperwork. For 6 - SIX - 6 weeks he told me everything was fine, the modification was approved and the back penalties would be erased as soon as the paperwork was done.

Then he called this Monday and said "Oops". Literally. That is what he said. "You're not going to like this" he said. "Turns out your modification was not approved and you have to start the process over". What did he say when I asked why? He said "It's Fannie Mae, not us". Fannie Mae said "Um yeah, no that's BoA". What difference does it make? Two things: 1) I have to "start" the 3 month modification period over again. I get to spend another 3 months during which my credit report shows I owe ridiculous amounts of $ to these crooks. More importantly-2) Apparently they can do whatever they want and there is no recourse for the customer. How does that work? Let's suppose I start the new 3 month modification period? What happens then?? Will they actually honor what they claim? Or will they say "Oops" start over.

Even our court system isn't this screwed up. Once you've paid your dues (i.e. completed the 3 month modification you were told to complete) you can't be re-tried. There are no "Oops" in our court system. But apparently, BoA can use this whenever they want to, and I am told I have no recourse. Today I was told by the "supervisor" that he would "escalate this to the escalation team" and would get back to me on Friday, but I should expect no different answer from them. When I asked who else I could talk to he said "no one".

So, BoA lies, jerks me around, forces me to spend hours on the phone during which I'm repeatedly lied to, then tells me I have no recourse. Oops. And I'm guessing that despite that recording you have to listen to that says "This call may be recorded for training purposes" won't apply to my case. I'm guessing that if there are any recordings of my conversations with my case managers they are being erased as I write this.

I suggested he let his "escalation team" know that I am a single mother with cancer who was ** over by an ex who refused to pay the mortgage and gee... Think social media will think "Oops" is an acceptable response? Un Freaking believable. Come Friday afternoon, East Coast time, you will probably be able to join my new FB group titled "People Screwed Over by Bank Of America."

Fast forward to 2017... My spouse and I who have our first mortgage with them and a second with another bank wanted to consolidate both mortgages. This time we provided every document requested in a timely fashion. Unfortunately they were not satisfied with the legal documents provided to them so they began to ask that my spouse's employer provide the documents. This was no problem but the employer was uncertain exactly what information was needed and requested that the bank call them to explain what was needed. The bank agreed to but did not; what they did was close the application without notifying us.

A few days later we got a letter telling us that the application was closed. Of course they got and accepted the documents from my spouse's employer and told us that they would consider starting the application again and would call us within the hour. That was over one week ago and we're still waiting on that return call. We have called several times and NO ONE has returned our calls. The only thing they did was refund the non-refundable appraisal charge. I will tell everyone I know not to use this bank. We have been customers for about 20 years and this is the great customer service provided by the mortgage department.

You made me jump through hoops, when, in retrospect, it’s very apparent you had no intention of ever approving the home loan/closing escrow on the aforementioned property, even though I have almost perfect credit and have had continual employment/career longevity in a supervisor capacity for many years (over 10 years) with the same employer. BOA unethical business practices are completely unacceptable, let alone illegal. I would be filing a complaint with the appropriate agencies regarding the unfair treatment, the ongoing harassment, and discrimination that I have endured due to my marital status (as I am single), gender/sex (as I am female) as well as race and national origin.

Furthermore, as a direct result of ongoing harassment and discrimination, I suffered an on-going extreme amount of stress. All of the calls to/from agency happened during normal business hours over the past several weeks. Last week when you continued to make outrageous and impossible demands wanting more money and how you would accept said monies, I was at work when, all of a sudden, I had difficulty breathing as well as severe chest pain. My employer called 911, as they believed I was having a heart attack.

Although I was released from the Emergency Room, I was told my condition was a direct result of extreme stress. My employer asked me to stay home on Friday (5/12/17) to try and get rest/recuperate and so now I have lost an accrued sick day as well, due to BOA heinous actions. In conclusion, BOA unethical and illegal business practices have caused me both mental and physical injury as well as a significant monetary loss.

When I asked him why he did it. His answer is that he just made an assumption and he did not feel like discussing with us before doing that. He also made a lot of other mistakes that I don't have space here to describe, including religious bias. We lost a lot of money and time due to this branch's fraudulent activities. Also, it is really hard to explain this to higher management. They simply ignore and defend bad practices. In short summary, this branch exercises one of the worst business practices by conning people. I am hoping that growing awareness will help other people stay away from this company and at some point, regulators will pitch in, similar to Wells Fargo case, and then CEO/higher management will notice due to investors' pressure.

After we closed she completely stopped returning my calls and emails. I would expect this type of behavior from a fly by night mortgage lender, not BofA. I would definitely steer clear of BofA. This experience has really left a bad taste in my mouth. I am currently shopping around at other banks so I can close my decades old BofA accounts.

When I called they stated this is the new cost due to escrow. I tried explaining that I do not have an escrow and that my account is current. After speaking with Nicole, Crystal then finally Sharmica on March 6, 2017 I was informed this would be REANALYZED, and the misappropriated funds would be corrected. Sharmica confirmed on recorded line, escrow balance at $0, monthly payments all current and correct monthly payment only $1046 (est). However stated it would take a few days to update. However everything ok on my end... Fast forward to April 24th as now we are being inundated with phone, e-mails about being behind with mortgage.

I called again, spoke with Brantley then Vanessa who finally transferred me to a supervisor Kyra whom told me that due to lender placed insurance, I am now required to have an open escrow which made my April payment (already paid) $1400+ and the May payment go down to $1200+ for remainder of loan which has now increased our monthly payment by over $200 without being properly notified. Also due to their mistake since it now looks like we have not paid the full monthly due we have now been charged over $100 in late fees and show over $800 past due. DUE TO THEIR MISTAKE.

When I requested my March 6, 2017 call be pulled, I was refused and told I would need to submit request in writing. This has to be one of the worst mortgage companies bullying customers into late fees and possible foreclosures. I have reached out to an attorney (hopefully for some guidance) and a new lender (hopefully able to refinance with lower payments and monthly amount due with no hidden costs) and no lying... sick of paying for other people's mistakes.

I wrote to her and her supervisor but never heard from him and the issue was not resolved. I had to go ahead with the NEW rate because the mortgage I had with them for 10 years had matured and it would have increased my payment drastically. I was ripped off and did not have a choice. After the closing date I noticed that I was charged double for the appraisal and it took weeks before I was given credit for that. That is how they treat a ten year customer. My mortgage payment is now over $100 higher than it should be.

On February 22, 2017, I was contacted by Nancy **. Nancy and I discussed the outstanding items she needed to complete my application. It is important to note, the items did not include a recorded lien release. Nancy stated my rate would be prime plus .230% and could not provide any explanation for the difference in rate. Second, Nancy stated my house appraised at $274K, which was different from the appraisal amount I received from Aaron only approximately 15 days before. I was later told by Richard **, HSS Manager, that my home appraised at $305K. Again, I am highlighting the varying information I am receiving from different Bank of America representatives. During my last conversation on March 20, 2017 with Nancy, I was told that she came across an outstanding lien against the property. Per her request, I provided her with the information of the lien holder.

During our last conversation with Nancy, I specifically asked if the lien, which was in my mothers name, against my property would be an issue. I told Nancy, I could pay the lien off if it was an issue. She stated she needed to talk to the lien holder first and she would call me back. This lien had been on my home since 2002 and present at the time I was approved for the initial LOC approximately eight years ago. I never received a return phone call from Nancy. Instead, On March 24, 2017 a Bank of America representative called to inform me that my application had been denied. Per my conversation with Tom ** on March 24, 2017, Nancy never even called him to see if the lien holder. Furthermore, Nancy never return emails or phone call in a timely manner if at all.

On March 27, 2017, I reached out to Nancy's manager Richard **. Richard informed me the only outstanding items were a copy of the recorded lien release and my Capital One bank statement showing the source of the funds used to pay off the lien. Per my request, he sent me a confirmation email stating the same thing. I specifically asked Richard about my property, so there was no confusion as to the location of the home. During the call, Richard stated the appraisal was good for 90 days. I explicitly asked about this because I did not want to pay the $15K only to denied for the loan. Richard went on to provide the appraisal amount. He stated the appraisal had been completed and I would be approved for my original amount of $199K because the appraisal higher than $274K. I have a copy of the appraisal that was done on my home dated March 20th.

On April 12, 2017, I provided both documents to Richard via email. In the same email chain, On April 12, 2017 at 12:58 pm, Richard stated, “I have received your satisfaction of mortgage. We will just need the Capital One bank statement to source the funds used to pay off the lien. Once this is received, we will review for reactivation and once reactivated we will need to get an updated title”. After receiving that message, I resent the bank statement. Subsequently, I received a phone call from Richard stating it is now a requirement that Bank of America complete a full home walk through before approving the home equity line of credit.

I am having trouble understanding why neither Nancy nor Richard conveyed the need for a physical walk through until this point in the process. It seems to me that, Nancy and Richard are unfamiliar with Bank of America processes and both were looking for ways to disqualify me. Why would Nancy order the wrong type of appraisal? Why would Richard state the appraisal was good for 90 days if it is was the wrong type of appraisal? Furthermore, I am curious to know if this walk through policy is implemented at the discretion of the home service specialist manager. I still don't understand the exact purpose of coming into my home other than to find another reason to disqualify me.

Road blocks and hurdles have been strategically inserted to block my application. Richard ** assured me that my home equity line of credit would be approve if I paid off the lien and provided documentation as to the source of the funds. The lien has been paid off. Richard should be held accountable for his statements. My home equity line of credit should have been approved.

As a result I am now placed in the very difficult position of having to estimate the loan balance due and the amount of interest paid during 2016 for purposes of my 2016 federal and state tax returns. BOFA is unwilling to provide any information, and it appears that they are hoping to force a default and then implement foreclosure, but I am sending estimated payments each month to prevent that action. I noted that BOFA just incurred a major judgment for treating other consumers in the same manner. It is a prime example of why consumers should not deal with BOFA for any financial needs.

When W2's started rolled in I reached out to the bank and offered my 1099 for 2016 for Uber instead and they said that they were waiting to see if the underwriter will accept it and would call me back in 10 business days. No call back came so I called them back and was told that I could submit the profit loss form myself again and be specific. I was also told to make 2 payment and my mortgage would continue to be ok (this was on 03/08/2017). This would keep me out of foreclosure. I walked into my local branch and made 4 payments, not 2, but all 4 payments for Nov, Dec 2016 and Jan, Feb 2017 on 3/10/2017. This left me only owing for this current month 03/2017. I paid the full past due and took a screen shot of what I owed and paid. I looked at my balance online and notices that all of my payments were put back into my checking account.

I called back to the mortgage department and was told that I am now in foreclosure and they want my March 2017 payment plus attorney fees. It is currently March 14, 2017. I asked when did I go into foreclosure and they told me that I had been in foreclosure ever since October 2016. I asked, "if that were the case why did you take all of my other individual payments, but when I pay everything up, you refund those 4 payments, plus your calls are recorded and you will hear your rep telling me to pay 2 payments. Why did you to take my other payments since October 2016 if I was in foreclosure?" I got the runaround. I asked when was a letter mailed telling me I was in foreclosure.

Get this people!!!! They told me a letter went out today and is in the mail. I said "well if that's the case I wasn't in foreclosure when I made those 4 payments 03/10/2018." I am currently waiting for a call back from a mortgage manager to clear this matter up but was told that the manager was not going to help me. He is going to tell me the same thing. Looks like I am going to have to move out of my home. I will be able to pay my March mortgage payment, however I will not have attorney fees. Bank of America never intended to give me a forbearance, modification, or refinance and they definitely don't intend of helping me. For some reason they really want my house. I don't understand how a bank can do this. If someone reads this and can help or give me some guidance please post. I will be reading these reviews daily.

I encourage anyone looking for a mortgage to bypass Bank of America. You will regret it if you secure a mortgage with them. The mortgage reps are unprofessional, dishonest and BOA appears to be interested only in taking your money - not really providing quality, valuable service to the community. Today, I was discussing a refinance with Corey **, a loan officer and he just "hung up" on me while I was questioning the rate he offered. Completely unprofessional, but I suspect this is how they treat all customers which is why there are tons of negative reviews and a horrible track record on this site. It just seems that something should be done about companies who operate like this.

Lastly, I was selling a home, and yet again, Bank of America almost screwed up a sale. This time the buyer, on day 44 of a 30 day loan, was contacted about taxes. Again the inept organization almost ruined a transaction. Luckily, the buyers to pay cash for my home, and Bank of America was thankfully not part of the deal. I would stress even being pre-qualified, to stay away because of this bank's businesses practices. Over the course of 18 years, I am now removing my finances from this bank.

Every time I called to check on the application I was told that they hadn't received something or needed more information. They were unable to comprehend the land trust I have for the house. I was told not to worry if we miss the 2 month deadline I could just start the process again with a new application. Why would I go back to them? They were unable to give a clear explanation of what more they needed so I finally told them to cancel the application 4 days before the deadline so I could go somewhere else. At that time they told me the application had been denied a month ago even though they kept asking for documents right up to the day I canceled it! I didn't get an answer for why it was denied, the woman kept contradicting herself. Such a huge waste of time. I was able to do another application in one day with BMO Harris - no problem with my documents! It has already gone to underwriters.

I contacted the mortgage loan officer in charge of the refinance and forwarded the bill. She pulled up the closing documents and said "You are right. This is supposed to be impounded. Let me fix that on our end." I followed up a few days later and was told that everything was taken care of. Fast forward to January 2017, when I get an email from my homeowner's insurance telling me that my premium is past due. This is beyond outrageous. I NEVER would have even done the refinance if the bank's calculated monthly payment did NOT include the impound of my homeowner's insurance. Why? Because I wouldn't have saved any money by refinancing. I cannot believe that I am spending another minute dealing with this issue. Refinancing with Bank of America was a HUGE mistake.

I made the 30-minute drive to the bank Monday morning to speak with my representative at the bank, since he had not responded to my email to call me in what I felt was a timely fashion. He was as surprised as I was, and he called their consumer loan department. He was told that it was because the Feds had raised the rate. Since this had not happened in the last 8 years (before he was employed by BAC), he was apparently not aware that it would affect my introductory rate either; and he was apologetic. Basically, however, he told me there's nothing I can do about it! He said that they are now offering 2.49% for the first year. I told him that he needs to tell his customers that this too will be affected if the Feds raise the rates again. Otherwise, he is lying to his customers as he and BAC lied to me!

BoA's right hand pretends not to know what their left hand is dipping into, indulging themselves, as their CEO. The hard earned cash I'd paid for my home, unrelated to condo, did have a credit line, I took through BoA, that I'd build up, pay off, build and pay... till? By 2009 I became suspect, smelling fraud... BoA pulling a bait and switch to compensate their own pockets, noting the condo with home's legal (still not corrected, mortgage at condo paid, making my home worthless)!

If a attorney take this case, BoA has yrs. of knowledge, is intrinsic fraud (prefer an expert on BoA antics). Per judicial ruling, their disgusting effort to do a slanderous summary judgment, Judge DENIED. I am legally blind and have complained to Attorney General's Office. In spite of, BoA rules to a tune of their own. I'm sick of it!

Bank of America representative referred to the amortization schedule which is based upon paying only my monthly mortgage and when I should reach that 80%. There is not one problem with my mortgage payments and Bank of America still refuse to acknowledge that I paid extra to get rid of the PMI. Their answer to me “Pay us for another appraisal and we consider dropping the PMI before the date on the Amortization Schedule.”

I would get a call from one person and then another and then another followed by a letter telling me that they were assigned to me because of the letter that I sent to the CEO of Bank of America. The information that I sent to, was stored digitally by BofA and they lied at least 7 times when BofA assigned another liar to work with me informing me that BofA had not received the documents that I had submitted at least on 6 different occasions. After 10 years of lies and deceit by BofA personnel they denied my request for a loan modification based on lies and a faulty appraisal that was incorporated by BofA. This is a culture at BofA, as many have said, implemented by the highest level of management at BofA because so many people are lodging exactly the same complaint.

One BofA customer service eventually and accidentally told the truth. She said, "Bank of America will not give you a loan modification on your property because you are not behind on your payments and you have to pay for all of the people who have defaulted on their loans, or walked away from their homes." I have keep the Consumer Finance Protection Bureau informed about all of the lies that Bank of America people have told over the past 10 years and they have informed me they can only pass my complaint on to Bank of America and get them to response. Well this has gone on for over 5 years now and Bank of America knows that there is no government agency that can enforce BofA to be honest with their customers. Therefore Bank of America has created a den of liars and thieves.

I have all of the information supplied by BofA that I sent to them as well as what they sent to me. I also sent as much of this information to the Consumer Finance Protection Bureau as I could. However they have more than enough information supplied to them by me to do something about these thieves if they desire to do so. There is much more to the many lies, stalling and Un-American tactics that BofA has told to me and I have them with a response to no avail. Bank of America personnel will tell you that the call may be recorded. However if you tell the person at BofA that you are recording the conversation they will tell you that if you continue to record they will hang up and in the last instance where I told the Bank of America representative that I was recording our conversation she slammed the telephone down immediately.

Consider this. If the Bank of America representative is telling the truth why is it that they refuse to let you record the conversation however they can record the conversation if they want to? The only reason for this situation, in the opinion of many, is that the Bank of America personnel know that they are going to lie to their customers from the beginning of the conversation and they do not want it on record.

BOA took me for a awful refinance trip. No one calls you back. Nobody follows through. My loan officer never got all my papers in on time because he said he was sick... Not once not twice but three times. Nobody not even a supervisor gave me a call when I was waiting for answers. BOA dropped me because my loan officer was away from the office. I was locked in until Dec 05 2016. Guess when I got a call... The 6th of Dec. One day after locked in. Why didn't he file an extension??? Why didn't they have BOA supervisor covering for him if he was always sick? I would like to know if this has happened to anyone else... My loan officer was from Jacksonville Florida. His name is Gerald **. Awful experience... And I am getting a lawyer. Help me please.

This go round, I needed a brand new appraisal. Ok no biggie. It was the same house of was in process of buying before my buyers backed out. Loan officer attempted to use old information with just a few updates. Again still using my VA benefits. Again I had to get a brand new VA eligibility certificate. Another termite inspection. Once a week I was checking with loan officer to see if all was good to go. Less than 10 days before I was supposed to close image got hit with 5 more UPDATES I was required to provide to BOA. That list of 5 items at 9 am doubled to now 10 updates that I HAD TO PROVIDE to bank at 3 pm! 3 of which were items that the bank was supposed to generate, not me the home buyer. 2 of the 10 items were the most important, VA disclosures and a closing disclosure from the sale of my previous home.

I did provide my loan officer with it only 2 days prior but he waited until that day to say he needed it again with my signature. I went back and forth saying you've had 30 days to ask for these documents but waited until 10 days before I closed to ask again. I had to write numerous drafts on payments that showed up on my checking account. One was regarding my TV cable and Internet bill. I called myself to the VA dept to expedite the updated VA letter of eligibility. The VA headquarters laughed when I called saying it was the bank's responsibility not mine to get that. VA even admitted that BOA was notorious for screwing up veterans loans. I was personally emailed the correct forms to save time. VA Loan officer kept saying it was underwriter's fault not his. Underwriter was off the day I blew up. Convenient huh??

Fast forward 1 wk left and I still don't have a 100% response from officer if everything is good to go. It's going to xmas on Sunday and of course everyone is out. Same house, same job, same VA entitlement. I called and left requests to Underwriter, to Complaint Dept at Main BOA Home Loan Dept. Not one person has returned my multiple inquires or talk to me about the complaint report I started. Every person I asked to contact me, to include MY loan officer has yet to return any of my calls and I still have no idea if I will close in 5 days! I have so much more to say but the process is exhaustive and I'm at point of just saying forget it and I'll go to to another bank. 1 wk ago mentioned this to my loan supervisor and he said GO FOR IT!

And later after have I was contacted by a collection agency. I told them I could not move right now and that I could not afford it, so they offered me a modification and said it will be 2500 a month and I said I could not afford the payment. So later I was offered 40 yr mortgage and I said no because it doesn't make sense. So after that I was finally offered cash for keys cause I hade no choice but to leave, so I lose my home and me and my wife and kids had to leave, that damaged my marriage and my health, and trying to deal with the change it's still hard. I move in my house in the year June 2000, it will seem like, that something could have been done. No Obama plan, making homes affordable. Why... That was bad treatment, unfair treatment and the house is still sitting there empty. Can I please get some help, the house is still sitting there. Thank you...

After 7 years we have repaired our credit. A couple of years ago we bought a house from a private person with a condition that we would get the house in our name when possible. You have to wait so many to be able to get another mortgage after a foreclosure. Our waiting time is up this April and we are set to get our mortgage to get the house in our name. Our credit score is in the 700's, so we will have no problem doing it. I made my Bank of America payment at the beginning of December and they have returned it to my account. I called them to ask why, and they told me since the house that they had the second on, foreclosed, they have to foreclose also.

It's been 7 years. Why are they doing this now! How can they mess with people's lives like this? I am so confused on why they are doing this. We worked hard to repair our credit and now we have to start all over again because of what Bank of America is doing to us. Why did they tell me I'm still responsible to make our payments, which I had no problem doing for the past seven years, and now they are going to destroy our credit again which we worked hard to repair. And for no reason at all. I am so confused. We did nothing wrong to them. They are demanding the whole amount that was borrowed. They state I can no longer make payments. What has changed? They had no problem taking my payments until now.

The only thing I can think of is they got back everything that was borrowed and now they are going to use the foreclosure as a way to write it off for tax purchases and have no problem hurting the little people. Our credit will go bad again and we will not be able to have our house put in our name. We put a large down payment on this house and could lose this one also. How can Bank of America get away with this? I asked them if they could at least accept our payments till April to give us time to do what we need to do for this house. They told me it's out of their hands, that they can't do that. Why not??? They had no problem taking the payments before. Why are we being punished again for a crime that was done to us? I can't believe an institution is allowed to destroy people's lives for their own gain.

They assigned a new "rep" to us almost every two weeks and each new rep had no idea what we had gone though. After the fifth rep, we simply ignored the letters and calls and sent a letter to regional and company management. Of course, no response. So, we are now left with no Equity Line of Credit and our interest rate is the same as it was when we first contacted B of A. The gross incompetence of the bank can only be matched by their single objective of building a war chest of money. I've never experienced a corporation with so little caring for their customers. It's not by mistake on their part BTW, it is a well greased strategy of ignoring customers.

After another many calls and also giving them my daughters number to talk to her, she has great hearing, knows what is going on with financial problems eat. They call once and told my daughter to call them. Anyways after months and farther behind in payments, I get a packet in the mail to apply for hardship. Did that, sent papers they requested. After waiting 30 days I call and they weren't sure what I was talking about and was assigned to an agent. He sent me another hardship packet. I filled it out and there was a convention thing on in PYLD OR, so my daughter and I went to it so I could some answers in person.

It ended up being a number, different stations where people look through packet to make sure you had all paperwork filled out. Yes I did have all my paperwork and I left my folder with them and said they would contact me within a month. No reply from them, phone calls start again, new packet arrives for hardship.

In 2012 I got a notice that my house was being put up for auction. I was freaking out and thought needed to move out. I moved out, and then I get a letter saying my house was not being put up for auction after all. Long story short I talk to an attorney. They told to "move into the house. You should never move out the house when through foreclosure". This was my first house. I don't the rules or games they play. 3 months before moving out my husband had a stroke in June 2012. Sept 2012 I'm thinking I gotta get my things out of my house. Stressed out over everything. Still nothing from BofA.

Sept 2012 (3 months later), my husband passed away, complication from his stroke. So dealing with that and house, I quit trying to save it. My house has been vacant for 5 yrs. They still not foreclosed on it. I have contacted recently to see what was taking so long. Their excuse is "it's a long process." 5 yrs? Come on. I cannot even attempt to buy a house until this one is out of my name. Also there is a 3 yr waiting after. Nobody to talk to in person. What do I do. I am stuck in limbo. How do I move on with my life? I get statement each month still. They charge me for mowing the grass, and for whatever the hell want. I told them to "take it, sell it. I don't care, just get name of it." Who do you turn to for help? Anybody have answers. Maybe I should move back in and not pay damn thing until they do something about it.

We "appealed" their decision to some e-mail address they sent to us, and all they did was tell us after a week that they did not change their decision to arbitrarily deny our refinance after 3 months! We asked for a refund for our appraisal which was never used, and did not get it back. This was the worst experience I have ever had period. I will never recommend B of A for ANYTHING, much less the home loan process! They are thieves, crooks, swindlers, manipulators, and most of all they could care less about the public they serve. Beware! Go anywhere else but B of A Home Loans in Jacksonville Florida! I'd rather give my business to Joe Schmo down the street than these guys!

I'm now on my 3rd extension, paying tons living in a hotel with my dogs, waiting only for the clear to close from BOFA and that can't happen until the only appraisal apparently available for this MA branch office can find the time to get me into his schedule. NO help from the loan officer to rush the appraisal revisit. No offer to move my loan app to a local bank that uses local appraisers. No regrets or offers of apology that he misled me about the conventional loan requirements via Freddie/fannie requirements. I would have used a different lender that did NOT need to meet Fannie requirements and saved us all time and saved me HUGE frustrations.

I even had a call with the guy who reviews the loan status - before the appraiser ever went to my property - and asked him (Duane) for verification, that as a conventional loan I don't have to jump thru hoops like with my VA loan. "No" he says, as long as it meets value... I've now had to request a 3rd extension from HUD (with charges for this) because BOFA can't get an appraiser out, as a revisit verification only, until the end of the month. Unbelievable. If I wasn't so set on this home, I'd dump BOFA entirely, but unfortunately, they are tied to my contract to buy the house.

Original Review: Oct. 12, 2016

I had a BOA refi on the home I was selling so I decided to go with them for my new home purchase. BIG MISTAKE!! Started out smooth and fast with pre-approval process. Then September 4th 2016 I sign contract with seller and alert lender. She received all requested info less than an hour after asking. Of course on October 10 2016 they are still sending me paperwork they need signed. :( We were contracted to close on October 6th. On October 4th, I call BOA lender to see if we were ready to close. I'm then told NO. The appraisal hasn't been done and there isn't anyone assigned nor a possible appraisal date. I find out 2 days before closing, I'm glad I called. They use a 3rd party for finding appraisers that must be of low regard (cheap for BOA though) because the several appraisers I called don't deal with BOA.

On October 10 2016 I get a call from my lender. It was short but she told me I should find another lender! I couldn't believe it. They should have told me that in the beginning. I found an appraiser that can do a rush job and was top rated and passed the info to BOA thinking problem solved. Their 3rd party vendor doesn't have a relationship with him so it was a fast no from BOA. I know there is a national problem with appraisers but it's compounded by BOA choice of 3rd party vendor.

BOA is just pretending to be in the home finance business as far as I can see. Their lack of properly managing this loan now has me homeless with all my belongings in storage. I guess I still have some summer clothes in a box but it's getting cold out. I called another lender and they advise me up front to pay rush appraisal fee and no problem closing in 30-45 days. I'm going to have to do this unless the seller backs out. My dream home has become a nightmare thanks to BOA. The reason for this review is to try to save you from BOA headaches. Go with a lender that specializes in home loans. BOA just dabbles in loans so they can say they offer them.

I am learning how someone you hold accountable under company REO sales employs being the keyword. I am able to disclose your approval for granting my ability to engage in the auction. Prove I won the bid. Prove I had a sales contract. And prove I was denied purchase due to someone other than the home inspectors report which cost 350 rather than 500 from VA that the home wasn't going to pass. I ask how a worker from Hudson Marshall office in Cali emails me 4 hours later to say BOA won't accept a VA loan. I think we both know how much Being an approved VA lender means to BOA.

Here is what I am prepared to do. Allow this to be dealt with and disclose the dirty listing agent who owns 36 of your reos from 5 years. County GIS tax records. Hell she has 14 LLC also being used. Hickory NC. I have this for the boys with PA. ADA laws. Fair consumer laws. Forget the veteran of 26 years. I'm an American first. Now Let's see what you do. I hate having my ** in the street. Let's fix it or I'm going to start low naacp, ada civil rights scra and protest the VA remove your ability to service VA loans. It's a rule of thumb. The poor can't beat the rich in court. But being shot by cops, not robbed by banks and paying in my health for the revenge you sought after 9-11. I'll post the contract you breached the emails and the bidding which shows the Bank running up your price.

One week later, he moved my closing cost to $4000. I called and emailed him. He did not answer my email or phone call. I called his manager. She just asked him to call me. Then he gave me all kind of **. I got mad. Went to Consumer Financial Protection Bureau and file a complaint on it. After that, I sent him an email and let him know. Then he called me the next day and said sorry about it. We then agreed to cancel the loan. He asks me to retract the complaint. I still mad at it. I believe that he did this to many people. This kind of people did not have any ethic. He should be fire and not allow to work on this field. So if you read this, stay away from Bank of America at Capitola and Acorns.

Three weeks of emailing and calling Mr. ** in Missouri. Last call he picks phone up and just holds it then hangs up. I call back. Giving him benefit of doubt. He will not answer. Finally, I called to file complaint, ask for **'s supervisor, and to be switched to another specialist. No call from Stupidvisor or **. I have made a few more calls. Moved all my accounts to another bank. Got lower interest rate. Have all documentation in reviewed, approved and looking for a home all in one week. I stick my tongue out and blow at Bank of America!!!

I decided to stick it out with Bank of America - BIG MISTAKE! The right hand does not know what the left hand is doing. They do not respond in a timely fashion to calls, emails, etc. This has caused me unnecessary stress and anxiety. I will tell everyone I know about this horrific company. The only reason I have Bank of America as a mortgage is because it was sold by Countrywide. PLEASE PLEASE PLEASE do not use this company.

A couple of weeks later I went to the BOA branch I normally deal with & spoke with their rep who told me based on my activity & credit score they would do a 3.8%. We made an appointment & began paperwork. Midway through this meeting the BOA rep told me she "just" received an email (I didn't see it) & she couldn't to the 3.8 but could do a 4.0%. We settled on that & I had to jump the refinance amount from the $60,000 to $65,000. With over 15 trips/meetings, paperwork review/signings I still don't have the BOA finished paperwork to do a closing. No return calls, emails or paperwork? It's going on three months now. I paid almost $500 for the title search & market review (a person made a visit & went through the house). I have a copy of the report & it's OK. So far my current mortgage is with BOA. No misses or ever any problems. Just can't get them to respond.

Bank of America violated federal and state laws in dual tracking on this property and the law firm even appears to have violated state law and common sense by submitting a bid for open sale far below what was owed or required per fair market value to insure B of A would not end up with a property that literally stole and were not entitled to under wrongful foreclosure.

Even the county appears to be involved in some way by not requiring absolute proof of ownership per the initial foreclosure request after all that has transpired all these years. Little wonder that Bank of America is rated on of the worst America Companies and even more interesting that the BBB rates B of A in spite of the preponderance of evidence to the contrary based upon thousands of complaints, thousands (if not hundreds of thousands) to many agencies including the CFPB, and the same with all the lawsuits on behalf of the public, and the lawsuits brought against nasty old Bank of America by the USDOJ, the CFPB, and many state governments like the great state of Montana who stood up to nasty old Bank of America.

Maybe the BBB is a client or shareholder in Bank of America - certainly does NOT pass the smell test. We need an immediate moratorium on ALL foreclosures in the US, and the CFPB and other state and federal government agencies need to grow a pair and take steps to protect all innocent and helpless borrowers in our wonderful country. Colorado's stupid law (many claim is unconstitutional) should be immediately repealed!! That's my story and I am sticking to it. I am a 71 year old Vietnam Veteran and this is just NOT right in any way to let lenders steal homes.

It took almost 2 weeks before he was given access to the equator online system that they use to process short sales. Over the next 2 months, paperwork would trickle down to us about every 10 days or so to sign. We immediately signed it and sent it back. I tried several times to contact BofA through our assigned BofA counselor, but was unsuccessful. The last time I received an email from her was on July 15, stating that the short sale had been declined (no reason) on June 29 - this only after I had tried several times to contact her to find out the status. Just last week (July 29) I received more paperwork to fill out and our realtor said they were still collecting paperwork!

Unfortunately, last night, I received notification that the buyer has backed out since the contract had expired. I believe Bank of America purposely delayed the short sale process to avoid having to do anything. This mortgage which was one of the Country Wide loans associated with the housing collapse has been a bad deal. Bank of America settled with the government on these bad loans, but has refused to actually help those in need. Now, unfortunately we have to start this process all over and I feel I will get the same results.

There are no words to describe how poorly the entire finance process was handled and I have never interacted with a company that is so unethical in their business practices. My closing date on was initially set for July 13. After my credit was pulled and Mr. ** confirmed all of the numbers on his end, he gave me a loan estimate for $488,000 at a rate of 2.85% with one point with the help of his supervisors Nicole ** and Chuck **. He confirmed the amount I would have to pay out of pocket was the $460 cost for the appraisal. He indicated I was required to use their Appraisal Agency and they would charge/coordinate the appraisal. Once again, I have all of the paperwork and email correspondence to validate everything.

Over the next few weeks, the appraisal was ordered and completed, and all loan disclosures and other paperwork were signed and submitted by me in a timely manner - usually the same day it was emailed - and I was repeatedly told everything was on track to close on time. The appraisal came back and showed my home was valued at $620,000 - so everything was perfect until June 24, On June 29, My job received a request from Mr. ** employment verification form which was sent on after 2 hours by E mail. On June 30, I reached out and asked Mr. ** but did not answer phone or email. So called Ms. Nicole ** and Mr. Chuck ** about the status of the loan, apologized and said she didn't know what was going on, but there was a delay and "we wouldn't be able to give you loan as income to debt ratio is high and as 30 days is over your loan is declined as of today."

This caused me to lots emotional and mental stress. Finally Mr. ** emailed me and told me that, "This is due to my contract did not put guaranteed income word. I am very sorry." Not only did Mr. ** waste over 6 weeks of my time processing the loan, He required me to order an appraisal that ultimately was unnecessary for the terms of a loan he knew did NOT meet our requirements. When I requested the name of his manager and the address for his corporate headquarters so I could file a complaint, he refused to provide the information. And when I requested a refund for the appraisal because BOA failed to follow through with their commitment to me, he stopped responding to my emails entirely. I have never experienced such a lack of professionalism and customer service. BOA needs to be held accountable for their business practices.

Desired Settlement: I am seeking $5,000 to cover the cost of the appraisal ($460) and compensation for the days I took off from work and time I lost from signing/scanning countless documents and providing financial statements and other docs to BOA so we could finalize the loan. If we did not qualify for a loan in the amount of $488,000, then Mr. ** should have realized that before the finance was initiated and an appraisal was ordered. This was entirely their mistake and I should not be penalized financially for their error.

I contacted the Consumer Protection Agency and they contacted BOA and it was turned over to the resolution Department. I was told I was late sending in my paperwork so Rhea cancelled the loan modification. I faxed back the signed copy from the bank that the modification went through plus I was told all along that everything was fine with the modification. As of now my credit is in the toilet and it shows I have not paid since January. I can not get any credit because of this and have been turned down for credit. They tell me they are working on it but meanwhile this has a tremendous impact on my life. I do not know what to do.

After many months (12) BofA has now placed the land back in my daughter-in-law's name with Carrington as the lien holder, however the loan is in default and she is about to lose her house thru no fault of her own. When the land was sold to the investor, my daughter-in-law stopped making house payments as she had to pay to remove her property off the land she didn't own anymore and had no faith she owned any of the lot since according to the city, the property could never be split, yet they allowed an illegal land split by selling have of the land. Bank of America has refused to compensate her or to bring the loan current, Carrington has refused to modify the loan and are moving forward with foreclosure... Anyone have any ideas for a good attorney to take this case without money upfront? These folks need to be sued for breach of contract, illegal foreclosure.

During the loan approval the dollar amount needed for closing changed every week drastically and I ended up being 'cheated' on. I have been taken advantage of for no apparent reason. I am appalled that a bank this size can treat customers so bad and expect to continue business. I will definitely search for another company to refinance as soon as possible even though I know this will cost me. At least I will not feel ripped off! I hope they use my comment to better their business and advise employees on proper attitude towards customers. Most importantly not to lie. I will make sure I add my opinion to social media in order to warn other innocent home buyers. Bank of America should be ashamed of their work ethic. Do not use Bank of America!

I was advised to provide documents and I provided them to the loan officer and then he would come back and ask for the same information and he did this four times. I was also questioned about my gift of funds ten times. I was promised that I would be in the house by April 15, 2016. In turn I lost a place to stay and had to start all over. God knows I need all kinda of help. I would call, leave message to call me back and he would never return my call or would call me back on Friday at the end of the week. I would appreciate if this could be reviewed again due to the way it was handled. In the time length it took I could have built a house. Is this the way Bank of America treat their customers. I was told not to use them and I went ahead and tried to use them. PS the system has failed me again.

Now on 2016 which I got so many problem with my health and family issue. I had someone to take care of bills and he was saying "there is paper. Said you can pay till 17th". I had a surgery and I just got home and I received a notice "you have to pay $800 late fee" and I was almost headache to find out whats going on. I had worst experience with customer service. I went to bank branch in brentwood to complain and get helped. The manager opened the complaint file for me and also helped me with phone.

I asked for manager. She said "How can I helped you (jisla)." I told her the story and she said "no worry I waived all. You can call tomorrow and checked." I called day after and spoke to lavien and she said "yes she did 8 and your mortgage is gonna be $1,109.99" which I always paid and I repaid back to her twice and thank her. I received a bill "not waived" and is the same. I called again. "Why do you lie to me and play back and forth". After 1 hours conversation they gonna called me on tuesday to see what they can do. I am very unhappy and there is no way I trust them and I don't let any ones I know they get worst experience as I. I need someones to take care of my issue. Thc.

As the process went on, Bank of America introduced new requirements which had not been disclosed upfront and seemingly changed others, creating an ever-evolving burden of proof which was difficult to meet. In the end we felt like victims of a bait and switch. There were delays due to excessive requests for documentation as an example, multiple redundant letters were required from my employer. More troubling was the fact that statements and representations made by the loan officer early in the process were contradicted or disavowed by the underwriting department later on, to such an extent that the only conclusion I can reach is that Bank of America's business practices are dishonest and unethical.

Our mortgage with Bank of America closed a month late. We ended up selling our house and arriving in a new city with nothing to move into for four weeks, facing continued uncertainty regarding the mortgage and incurring unnecessary expense. Needless to say the delay irritated the seller of the house we wanted to buy. I felt there was no sense of urgency or concern for our circumstances by the people at Bank of America. Moving with a family of five to another state is challenging and stressful enough. Having to struggle to this degree with your mortgage lender is totally unnecessary. I never would have guessed that a large national bank could get away with such misconduct, but I can assure you I have experienced it firsthand. To paraphrase a prior reviewer: the more qualified you are, the faster you should run from Bank of America and to another lender!

The first problem that should have sent up a huge red flag was that the appraiser undervalued our house by $60,000.00. He used comps that had several hundred square feet less than ours, had smaller lots and no upgrades. After arguing with the bank and showing proper comps, the appraisers grudgingly added $20,000.00 and said that if we wanted any more value added we would need to research and take photos, etc. of what we thought were comparable homes that had sold (even though we had shown closed sales in the past year that were comps). Now we are supposed to do the appraiser's job for them after paying them $475.00??? Crazy!

We sent them EVERYTHING they asked for but it was never enough. There was always an additional list of items they wanted and they insisted everything we sent was signed and dated, many documents to be sent to them in letter form. There was about one month that we heard absolutely nothing from them, calls not returned, etc. Finally we received a call from our loan officer that our application was going to be denied because it had taken too long to process. We received the official rejection letter from BofA stating the refi is denied because our "income is insufficient for the amount of the loan requested." Huh? We've never been late on our first or HELOC payments but the resetting of the HELOC will cause our monthly payments to go up 3x what we're paying now. It doesn't make sense. By the way, we own a small business and make a pretty decent living compared to most Americans.

Our loan officer begged us to please come into the branch so he could run a new plan by us. I asked him what the difference would be if they rejected us for the first request, what will change with the second? He assured us that it would be different this time so we said Ok! Now he's going to try to get us a loan that covers our first mortgage and a partial amount of our HELOC and this time they will need much less from us as they have so much information from the first attempt. "Fool me once, shame on you. Fool me twice, shame on me!"

Needless to say, the past several weeks have been the same old, same old runaround. They are asking for more and more and more after we have given everything except our children and dog! They even wanted an explanation as to why my husband's income decreased by 65% between 2014 and 2015. What the??? He made a few thousand less and I made more in 2015. Combined, we made more in 2015 than 2014! How is that a 65% decrease??? I sent the documentation (with letter) showing them this was not the case. So now I am starting to get angry and suspicious. What is their angle? Why are they jacking us around? Are they trying to do something with our signatures and all the information we've given them? I felt like I was going through an IRS audit!

I finally lost it two days ago on the phone when the loan officer's assistant called me for yet more requests and (as they had been mentioning frequently) another $475.00 for appraisal fees (but no new appraisal) which supposedly would be credited back to us as some point. When I hesitated to give her my debit card over the phone and approve the withdrawal of said fee, she informed me that, "Tell, the underwriters are wanting to cancel the new application." What? After all this BS AGAIN? I told her to tell them to go ahead and CANCEL IT.

We don't want to do business with them! I let her know that we WILL be taking all of our business away from them, that somehow we will refinance with another company, get rid of the HELOC. I will be canceling two credit cards, checking, savings and IRA's (which, by the way, during the first process I transferred a $25,000.00 IRA at their request from Etrade to BofA/Merrill Lynch) and my kids' bank accounts.

It was only then that I started looking for Bank of America refi complaints and found this and other sites. I truly wish I had checked them out before. I have been a loyal customer of BofA since 1987!!! NO MORE!!! My fear now is, are they going to try to do something to us like try to mess with that HELOC so they can attempt to take our house away? Maybe I'm just being paranoid, but I have lost all trust and faith in Bank of America. In the meantime we will suck it up and pay the $2100/ month.

We had a 60 day closing. That is twice as long as a “regular” 30 day closing. We did not close until yesterday, day 69, at 6:30 PM (even though the original time scheduled for the closing appointment was 3 PM – they even hardcore stumbled at the FINISH LINE) following the issuance of TWO closing extensions to our seller. Our loan officer was incompetent to say the least. During our 60 day closing, it came to light that he did close to NOTHING. I sent him numerous documents multiple times – via email and posting to the online mortgage portal – that following our closing date he claimed never to have received. Even though I have a thorough email record to document that some items were sent to him four and five times!

Our case was escalated to a sales manager on Monday 5/9 (our original closing date) as our loan officer called us the Friday before – 5/6 – basically saying “there is no way the loan is going to close on time”, even though he had never given ANY indication that he was even behind up to that point. I called him literally every day that week (again, I have phone records) and he screened my calls, emails, and texts, failing to contact me in any way until approximately 2 PM that Friday afternoon. That weekend we went out of town for a trip and it was basically ruined because we were frantically calling Bank of America trying to get a manager on our case. As mentioned, no one contacted us back until Monday.

When the sales manager took our case it was revealed that we had never been charged for our appraisal, which I had obviously noticed, even though I provided my BANK OF AMERICA CREDIT CARD information to the loan officer TWICE. I can’t even mention all the things the sales manager had to do that should have been done weeks or months before. One that comes to mind is that they did not have our 2015 tax transcript from the IRS, even though 2013 and 2014 had been successfully obtained. Why didn’t they order them all at the same time, even though we signed the 4506-T for all of them? I don’t know. But I found out about it on Friday afternoon 5/13 and called the IRS myself, waiting on hold for 3 hours, obtaining it myself. The bank told me they had ordered it Friday morning and it takes “24 to 48 hours to get back” and no way I was waiting that long for them to do something they already had 60+ days to do.

The stumbling block at the closing was that the bank’s closer hadn’t sent the final purchase documents to the title officer. I had to scramble communicating with both parties myself to help get it resolved. I did not have the amount needed for the cashier’s check until literally 4 PM (the time Bank of America closes) the day of my 3 PM closing. AFTER THAT it was revealed at the closing table that Bank of America made the closing documents for the wrong amount. They did not include a $3,000 seller credit that they were supposed to. As we were literally signing documents we had to wait again for Bank of America to resend them and give us our $3,000 back. If you are getting a home loan, go literally ANYWHERE ELSE. DO NOT USE BANK OF AMERICA. THEY ARE TERRIBLE. Buying a home is supposed to be at least a little bit enjoyable, and I am really just glad it is over.

If you are like me and all they needed was an additional piece of paperwork that they now require when you have already given them everything plus additional paperwork then the joke really is on you. My advice, don't bother. There are banks that actually want your business and I have a lot of business with Bank of America and I will no longer be using them as my go to bank. It was convenient that they sent me all the letters in the mail with their pre-approval but the inconvenience of dealing with their customer service outweighed the convenience of their pre-approvals.

I don't understand why people like this get to be thugs and that it is okay in the justice system. The CEO, Brian Moynihan sleeps pretty well at night with his 13 million a year salary. What a POS and he has the gall to call himself a Catholic. With that kind of money he must own his own confession booth with a revolving door with his very own priests to absolve him of his sins every 5 minutes.

BofA also encourages people to foreclose and do you know why? Well hold on to your hats and here's a little secret. They have taken out loan default insurance on our homes... at least 5 policies. That means for every home that goes into default and foreclosure they collect $1,000,000,00 (one million dollars) if not more. So I ask you people out there... does it make your blood boil? How do we as a society have justice on our side, what can we do? The fact of the matter is from the President on up... Yes on up... The top families run this country and really don't care at all. They don't have a conscience and most of them are clearly not God fearing people. With that kind of money we are outside of the castle walls looking in. Bank of America does not care about you, me or anyone else... They are without conscience and goodness. So we move on with our lives and try to survive the turmoil and lies they spin.

A possible SOLUTION... If everyone collectively took their money out of Bank of America at the same time perhaps they'd get the message and get back on point and actually care and help their customers. Imagine closing your account and saying goodbye to this unconscionable bank with all their robots in it. I did it and it felt great! I took my money out long ago and am only stuck with a crappy mortgage. I now support my local credit union, they seem to want to help. If you can take your money out of Bank of America it will do us all a lot of good in the long run.

The loan specialist was nice but completely incompetent. The loan officer who was all milk and honey until I signed off on the loan was subsequently patronizing and all smoke and mirrors when I raised any questions at all or informed him that I was aware of my rights as a consumer. All In all, it was an utter comedy of errors and would have been funny if it didn't have the potential to cost me thousands of dollars and considerable stress. One of the worst experiences with a mortgage company and if I had to do it again would never go with them although they are my bank.

Foreclosure, the Bank of America, the superior court clerk and maybe even the judge, never check to see if the foreclosing entity had any standing to pursue and just allowed it to run through the court system. Since I now know that the Bank of America is acting with no owner behind it, I am suing them for illegal collection of unsecured debt, fraud, misrepresentation, mail fraud, RICO violations and any other violation I can pin on them. I am writing this to tell anyone that is facing foreclosure, needs to write to the named plaintiff and ask them if they have standing to foreclose, I guarantee that they don't, especially if your loan mentions a Wall Street investor with a certificate pass through number!!!

What that means is that your note was slice and diced, pooled and serviced and bundled into mortgage backed securities and your original note no longer exists as they cannot put Humpty Dumpty back together again, so if they are attempting to foreclose, do not take them at their word. They lie, cheat and attempt to steal a home they are not entitled to!!! All of you facing foreclosure or behind on your mortgage need to check your county documents and see to whom the loan was assigned and then write them and simply ask the entity, what their standing in with regard to your loan. It is that easy and 90% of all loans were securitized, which simply means that!!! Please do you due diligence and do not allow them to lie to you and then illegally, without standing take your home. It is apparent to me that the courts, the attorneys and the banks are not even bothering to check the paperwork for its validity and are allowing these foreclosures to proceed!!!

Today, I received a letter from BofA stating that *they/BofA* had rejected my application for various reasons, which is a misrepresentation of what actually happened, really a lie of what actually transpired. I have it in writing. Needless to say, I will be refinancing my mortgage and opening accounts with another bank as soon as I am able. I wanted to notify ConsumerAffairs of BofA's shady practices. I used to be a loyal customer. No longer!

I was told by the disappointed agent that HELOC's could not be refinanced until they were less than 12 months out. So...call back when the balloon is due in less than 12 months. We get to the 12 month date and I once again start to take steps to remedy my impending problem. I am now told that I have a very common problem and that they are not doing refinancing on these until they are 6 months out. I decided that perhaps it made sense to do my primary and the HELOC together since both were with BOA. I am told that I don't qualify.

I asked the agent if I had ever been late with a payment. Answer: No. I asked if I overpay my primary and the HELOC each month. Answer: Yes. I asked if my credit report showed that I had ever been late with anyone. Answer: No. I asked if my credit rating was good. Answer: Excellent. I asked if there was significant equity in my home. Answer: Yes. So I replied, "if I can pay $2300/month plus another $400-500 toward the HELOC each month and I have equity in the home and have never been late with anyone, why would BOA state that I am not qualified to REFI down to a total of $1800/month?" My rate on the primary was over 8 at this time. I was going to reduce my mortgage obligation by roughly $1000/month. Of course I was qualified to pay $2700-2800/month to BOA, but the underwriter had concerns about my ability to pay $1800/month. It was completely and utterly illogical.

Work is going well. Bills are being paid. The HELOC hasn't been touched other than to make payments toward the amount. The equity in our home is steady. I overpay on EVERY bill and am sometimes 2 months ahead on payments. I contact BOA to work on the refinance again. This time we were just a couple of months from the balloon payment. BOA works on it and I continually express my concerns about going over the due date. I am assured that since I am working with BOA it won't be an issue even if the loan isn't done in time. Alas the loan is done roughly 60 days after my balloon payment is due. I continued to make payments on the account. Payments on the account were accepted by BOA during the 60 day period. Once again, I overpaid and never missed a payment (except the balloon payment).

I assume that all is good. The loan is done. They gave us a 15 year repayment plan. Payments are being made. We decide to do a refinance on our principal mortgage and find out that the HELOC has had a major impact on our credit. We went from being over 800 on the bureaus to under 650 on some. The only negative mark on our credit is the BOA HELOC issue (and a contested issue with my wife's dentist for less than $100). I have had multiple accounts with BOA and never had an issue. I really like the people at my local branch. I have always paid my bills and was diligent in attempting to remedy an imminent situation, but BOA was not helpful and, in fact, delayed the process which resulted in a major hit to my credit rating. Color me very disappointed and unhappy with BOA over this.

I had already purchased another homeowners' policy with yet another insurance company therefore I had to file the claim through the company they used for the lender placed insurance. This is to protect them of course not us. Today I find out that my entire roof needs to replaced due to wind and hail damage. Bless their hearts they will cover the roof damage. Kicker is after the 2,000.00 deductible there will not be enough to even cover materials... Plus they keep some of the money until after the work's completed. I've read a lot about people having problems with modifications as well as I did but has anyone else encountered the escrow mess??? I've called and been told I didn't have one?? So where was my money going, then call back and told I did have a escrow account. Yet my taxes and homeowner's insurance is constantly screwed up!

I'm at a complete loss. I was a Peace Officer injured in the line of duty and have been through 17 major surgeries. I cannot wrap my head around how they can get away with all they are doing. Has anyone found an Attorney willing to file a class action suit against them? I again contacted yet another Attorney. Today 1/9/2016 I know it's going to rain, just hate not knowing what to do. Anyone's advice would be greatly appreciated.

I call today to ask why the payments continue to come out and the response was that I have to request it be reviewed and they will - you guessed it - send a letter in 7-14 days with their decision. $14K in insurance payments over 5 years for a mortgage holder with exceptional credit. And now that the payments are fulfilled (according to earlier letters mailed to me), I now have to request the payments' stop. With no understanding how or if the "overpayments" will be credited back to me. And by the way, I was hung up on today after explaining my disappointment in the handling of this matter. And no one from Bank of America has called back to apologize or to summarize our conversation. I guess I may or may not receive a letter about that in 7-14 days. This is robbery on the part of the bank. Extremely disappointing that there has been so-called mortgage-reform in my lifetime. Doesn't seem reformed at all.

I have a notion that Bank of America did this to stop me from paying down the principle at a more rapid rate. This would ensure Bank of America would get the maximum amount of interest over the period of the loan. Monday I will be contacting some people that are more informed than I about these things and looking for a mortgage company to refinance.

She wrote a letter to confirm this. Yet they still insist is a part of our income. I asked numerous people what do you require as proof. Received no answer. Bank of America is heartless. They make no effort to work with the handicapped or elderly. From letters they have sent phone conversations we can feel free to sell our home. Every time I have dealt with them am repeatedly asked "has house payment been sent in", even though we have never missed a payment.

We applied, qualified and were approved and by August 09 we started modification payments, completed the required TPP (trial payment plan) and waited for the next step in the process - The PERMANENT. Which we never received. However, 4 months later the bank sent a denial letter stating we made too much money denied the permanent terms. There was no information to substantiate the amount (which was 2x our earnings) but when we tried to discuss it; the bank stated we only had a 30 day window and since it was 4 months we could not appeal. Not taking responsibility for the error or the delay in the notice.

From that point on the legal firm was little to no help; they eventually went out of business leaving me with no options and the bank was starting to foreclose; however we kept making out modification payments (which we could barely afford) and contacting the bank on a regular basis to help us. Eventually, we did find a lawyer and he did manage to get the foreclosure delayed, so we are still in our house.

and some people LOST their homes entirely and had to start all over again. I will fight until I can't fight anymore.

Move forward four years, BoA sold our 1st mortgage to Seterus so we started the modification again. Surprise, months later we were offered a trial modification for 40 years at a lower interest rate which is what we originally wanted. Unfortunately they added $148,000 fines to our mortgage which meant that our trial modification was $400 more a month than what were originally paying. If the 1st mortgage was modified from the start and they added our 2nd to it, we could have been able to afford our modification. At this time, our trial modification is 72% of our income. How can this a modification and how would our loan be approved after the trial period.

Yes, the attorneys cost us money but the bank and modification guidelines cost us more because we have to move from the home we created. If the bank would have offered a modification right away or removed the fines, we would be able to keep our house. Now we find out that under the mortgage guidelines, we won't be able to get a loan for a period of time even though we have close to a 700 credit score with no debt. Making home affordable didn't work because we are out of our house after 20 years and renting a house will cost us more than what our mortgage was. How can the system allow this? Our only hope is that other people keep fighting and hopefully win.

Well - we knew something was fishy and finally got fed up and reached out to HUD - FHA Servicing. This was in December of 2015. The HUD representative told us that what BOA was doing was absolutely incorrect and that we were qualified for the program. The analyst opened a case and intervened on our behalf, recommending to BOA that they approve us for the program. Miraculously, without us having to submit any further documentation - on January 11, 2016, BOA finally approved us for the Special Forbearance Program...for the next 12 months!

Bottom line - if BOA is not willing to help you - and you have an FHA mortgage and need assistance...GO OVER THEIR HEADS! Their employees are incompetent - and that is putting it mildly. The fact that we had to go to another agency to have them enforce policies that are already in place is unacceptable - if not downright fraudulent. Instead of trying to work with their borrowers, they create extremely frustrating and hostile environments. Had it not been for our personal due diligence, we would have lost our home. If you have an FHA backed mortgage - stop listening to the lies and incompetence of your lender. Call FHA servicing center directly!

My family and I have been forced to live in a high rental property for the next few years, unable to save, credit damaged from the short sale and feeling unaccomplished as a homeowner. My point is there are a lot of homes that are falling into foreclosure, and people who have fallen into predicament like me and my family should be allowed to rent and later purchase such properties as a second chance. I am really disgusted with the way the process ended. I feel with proper help from BOA our home could have been saved.

The experience was too absurd to be real. Fast forward to November of 2015. I lost my job and one of the first calls we made was to BofA asking if we could work something out with them so we would not lose our home. We began providing the documents that were required and once again, they seem to lose them, want new documents that they did not originally ask for and repeatedly ask for information that does not make sense. The latest is that they are asking about the bonus my husband received in November. He did not receive a bonus. There is no bonus on his payslip and our representative who is supposed to work closely with us does not answer her phone or email.

Each time I call, another representative looks quickly at our account and tells me what I need to provide despite all of the documents being submitted, often repeatedly and then says that they can set up an appointment with our rep but that they do not have the ability to transfer calls. I have been stood up for the last two appointments. Totally at a loss for what to do and feels like they are setting us up to lose the house.

Most of my documents were either lost or not processed correctly. Those that were processed had all the wrong income figures. They literally made mistake in their calculations and did not want to accept responsibility. Even when I found knowledgeable individuals to explain their mathematical errors, their response was, "This is what it is," and that they were not going to correct them. They dragged the process for such a long time that we were going to lose the house to another buyer and the sellers put the house back on market.

By some miracle, we started the process with another bank and within 12 days we received more than the loan we had requested from Bank of America. It was only at that time I started reading reviews to find out that all the problems we were experiencing everyone else was having. I spent more than two months collecting upwards of 100 documents but all my effort was in vain because of lack of professionalism and customer service by Bank of America.

In addition, we lost upwards of $10,000 in renting back our house, paying movers to move our furniture twice, and all the loan costs that they took upfront to process the loan. Also we lost $5000.00 credit from the sellers to close on time, not to mention countless hours that I had to spend away from my job or my husband had to spend away from his job to get documents. We have purchased numerous houses and refinanced perhaps more than 50 times and never had to deal with any problems. Only with Bank of America we had a nightmare experience. If you are considering this bank for your mortgage needs please read all the reviews and problems that everyone else has experienced obtaining a loan from them because it will save you time, money and nerves. Even one star is too high for this bank. If there was a choice I would have given zero stars.

Today I open my statement to pay January 2016 payment and I find out they increased my principal $800. I call them and they say that's what it is!!! NO NO NO I say it is wrong. After 1 hour and talking to a supervisor she looks into my paperwork and say's "OH they did not calculate it accordingly to the MOD and will have to look into it." How in hell do you not send a prior letter to the person letting them know that their payment will be $800 more. When I was in property management we let our resident know of an increase! Looking back on my paperwork my payment is almost the same now as it was before the MOD. I believe BOA wants people to fail. I will take this to every level I can and hope I can find an attorney who will help me. What a great present to get for the Holiday.

We hadn't received the perm modification paperwork. When speaking with numerous BofA reps they informed us to continue to make our payments while they sent over the paperwork. We received the paperwork for a perm modification over a year later. It was over $600 higher than the trial payments plus it added 10 years to our loan. Once again we consulted with BK attorney who said to not accept the terms. I requested in writing the difference of amount owed so I could roll it over into the BK numerous times. Needless to say they never replied until 2 years later when they file a motion to dismiss my case. Thank goodness I had all the paperwork to show the judge what was happening. I had call logs, written documents showing everything that occurred during this time. BofA claimed we owed them over $8000 in missing payments when in fact we owed them about half of that.

Because of our not so bright BK attorney waiting until the last minute to inform us about this we signed paperwork to modify our BK in order to stay in it. A year later we are still fighting trying to correct the amounts owed. I have given bank statements showing payments made. The insanity with BofA doesn't end. They notified our insurance company that we vacated the property thus they were cancelling our insurance. We had to prove we still lived in our home. We found out this is a tactic they used to try to get your BK dismissed as it is a requirement to stay in the BK. We've been with the insurance company for 9 years. The games BofA plays is surreal!!! Now the new drama and new fights...

I've been notified that Seterus is now the servicer of my loan. As of yesterday we were informed we owe late charges when in fact we have never made a late payment as it is a requirement to stay in the bankruptcy. We owe almost $3000 in additional fees since Seterus has taken over our account. Fees in which Seterus said BofA said we owe. Fees that includes property inspection fees, title costs... We have fought to keep our home, but we often ask ourselves is it worth it? The stress, blood pressure increase, grey hairs, sleepless nights is it worth the privilege of "owning" a home that the bank keeps trying to take from you?

Around 2010, the bank split my HELOC in 2, down the middle, and cut off my HELOC. By this time I had used up most of the HELOC. When the bank split the loan, they put one at a fixed rate of 7.49%, and left the other half alone as a variable interest only, and that half is set to recast in July 2016, which will take my payments from around $300 to well over $990!

I've been trying to sort this out with the bank for years, but at first they told me to leave it alone, because it's interest only, it's better for me, and that rates are so low, and that the rate will never exceed 10% anyway. In recent years, the bank has told me that I requested the loan be split, but I never did. They said I requested it verbally, but have not presented me any proof that I did.

They tell me that I don't qualify for a modification because I'll have more than enough money to pay for the loan after it recasts, but they keep ignoring the fixed rate half of the loan. I am making 3 mortgage payments on this house! I've lived in my house for nearly 50 years. My husband and I bought the house a month before my oldest son was born, and when my husband passed away in 1994, I continued to raise my youngest son alone in this home.

I've filed a complaint against BofA with the CFPB in 2013, but all they did was refer my complaint to the bank, and all that did was get the bank to be a little more responsive, but other than that, nothing has changed. I was denied, again, just a couple days ago, again, because they said I make more than enough to pay the loan when it recasts, but the "customer service representative" was shocked when I told him I wouldn't be able to afford it after paying on my first mortgage, and on the other half of the HELOC. He was shocked when he found out I'm making 3 payments on this house, 2 of them with Bank Of America. All he did was refer me to their fraud department, which referred me back to their modification department.

I filed another complaint against them with the CFPB just yesterday, but again, all they did was refer my complaint to the bank. I honestly don't know what to do. I guess the bank feels proud that they're taking advantage of an elderly woman, and all they see are dollar signs when they think about how much money they can get when they steal my home from me. I am still fighting, I have no choice. My youngest son still lives with me, and since 2008, he hasn't been able to find a job, except in a warehouse.

He can't take those jobs because of his severe asthma that he's had since he was a child. He's been learning the mortgage industry to try and see if he can make money in it. With what little money he's managed to earn over some odd jobs here and there, he's gotten his mortgage and real estate licenses. He's been trying to find out how to help me. He's managed to help others, but not many, again, because of the banks. I still don't know what to do. I'm trying everything, but it seems our government doesn't care about the victims, just the banks that caused the problem in the first place. If I could do over again, I'd never get that HELOC, and I'd take my business from Bank Of America, and never recommend them to anyone. I don't recommend them to anyone now.

Saturday Nov 14 2015 we just received a letter that BOA is raising our monthly payment to over 1740.00 claiming property taxes and insurances went up. This is ridiculous how big corporations can get away with taking people's homes, forcing people to hire lawyers when you don't have the funds to do so, raising prices etc. This is probably falling on deaf ears and eyes because the govt and big banks don't really care. In the end we had to settle for a balloon payment etc in order to keep our home. FYI, Deutsche Bank is actually the ones BOA collects for and they do not have to follow standard US guidelines. That's exactly what a CSR informed me of when I called to talk about all of this. She also informed me that BOA outsources their customer service to (work at home agents), something to think about with all of our private info already getting stolen.

So the hype they send and feed you is **. They KNOW EXACTLY what it is they are doing and their CS knows this! It's nothing but a scam on a global scale and the govt knows it and does nothing because they are in on it too. The joke is on us. Best case scenario is pay your mortgage if you can, try and sell and recoup before they get to you or try and refinance with someone else and never ever do business with BOA in any capacity.

We did some research and learned that there were some other loan types that did not require a private road maintenance agreement, such as Freddie Mac, and asked if we could apply for a different type of loan. To make a long story short, they ignored our requests for a different loan type, continued asking us to provide a private road maintenance agreement, and eventually we were denied a loan and lost the $$$ we had paid for the application, appraisal, and home inspection. It was a very disappointing experience.

When they were stringing me along they told me that if I applied for a refinance anywhere else they would not be able to help me. At first I was naive enough to believe them. As they drag me along my credit score started dropping. But before it dropped so far I couldn't get another loan I applied somewhere else and was approved. The same day the BOA folks sent me the letter of intent to accelerate, my new bank and I sent them the payoff. My "customer service manager" from BOA called me a few days later and asked why I had gone somewhere else. I can't put in print here what I told her, but you can imagine. Good luck to everyone in this situation. If you can possibly get out from under them do it!

I received a 2nd packet containing the same documents with a request that I resubmit everything because some information regarding personal property was missing. In my defense, the information was not missing; the space allotted on the form was too small for the writing to be legible. I made copies of the documentation that I previously submitted, filled out the new application for a loan modification and wrote a personal attestation advising that I did not have any money market accounts, CDs, other real estate, stocks, bonds, or intellectual property rights. A letter dated June 30, 2015 was received which stated that all required documentation had been received by Bank of America and was being processed. The letter advised that Bank of America was reviewing all of the documentation and it would take thirty (30) days for a determination to be made.

Bank of America has had my true and factual documentation since June 21, 2015. In July 2015 I began communicating with a Bank of America representative named Tiffany ** who identified herself as my case manager. Every time that we spoke on the phone she advised that for some reason my file had been closed and she was escalating a request to a supervisor in underwriting to review it. I asked how the file could be closed when I had just submitted the documents a few days prior. Tiffany ** would then make an appointment to call me the following week. The following week, the conversation would be the same and another appointment to call me the next week would be made. This cycle went on for several more weeks.

The last time I spoke to Tiffany ** was on September 8, 2015. At that time, a determination as to the loan modification still had not been made and another appointment was made to call me the next week. When I did not receive a call from Tiffany **, I began to call Bank of America daily, sometimes multiple times a day from September 11, 2015 through October 20, 2015. I would leave messages to have my case manager Tiffany ** return my call. The representatives that I spoke with said that they were sending her an email requesting that she return my calls. I never received a call back from Tiffany **.

On October 24, 2015 I decided to make a 3rd copy of the original documents that were submitted to Bank of America. I stamped the documents 3rd Copy thinking that that would surely get someone's attention. Sure enough, on October 27th, 2015, I received a call from someone named Tonya ** who identified herself as my case manager. She began to tell me that no documents had been received. I explained that I had confirmation that Bank of America had received all of the required documentation and that I had previously been in communication with Tiffany ** who was my case manager.

Tonya ** then changed tactics and told me that the documents that I had previously submitted had expired and Bank of America would need more recent documentation. I advised Tonya ** that I submitted all of the required documentation before any imposed deadlines. And that it was not my fault that Bank of America's strategy was to give me the runaround until such time as the required documentation expired; only to demand that I submit additional documents so that the cycle can began again. It is not fair, nor is it my fault, that Bank of America can ignore my request for assistance in saving my home through a loan modification when I submitted the proper required documentation in a timely and good faith effort.

Tonya ** also told me that my loan was going to be sold to another provider on November 30, 2015 and that I had to get the documents in by then. I guess that's another one of their bullying tactics. Bank of America's endgame is to make me so frustrated that I'll give up and let them take the only home that I have ever known, literally leaving me and my family in the street broken and homeless. I understand and take responsibility for my part in the circumstances that have brought me to this point. I have jumped through every hoop that Bank of America has placed before me and it is only fair and right that Bank of America does the honorable thing and review the documents that were originally submitted and accepted to make a determination regarding a loan modification application.

After a rep confirmed the amount I informed him I was making the full payment to become current. He placed me on hold and came back to say I couldnt send in that amount because they have to send me a reinstatement letter first and add in attorney fees which would make the bill larger. I said "no way, I was quoted this amount by 4 different rep over the last week" and asked to speak to someone else. The woman on the phone said the same thing. I asked very clearly "Are you saying BOA will not accept the amount I owe and wants even more money?" She said "yes. we have to add attorney fees for each day you have been in foreclosure." I asked when I went into foreclosure and she said "it was submitted today" so I have to pay fees for something that was submitted the same day I have attempted to pay over $10,000?? I was told numerous times again if I send in the $10,541.00 they will return it and continue foreclosure process.

Again I asked "so you are refusing to let me pay the full amount I owe you?" Again I was told yes. I went to a branch and spoke to a live mortgage person. They even got on the phone with BOA and said "I dont see why we are turning away almost $11,000 that would give us our money owed and keep our customer in their home." The rep then gave me the phone number of the attorney and said to call them and get the fee they charged so I can just add it to my payment of $10,541.00. I called and was told they just received my info and to email them a request for reinstatement. I did and an hour later got a response that stated "We received your request for a reinstatement quote. Please be advised Bank of America has these figures. You will need to contact them directly."

So now I call back BOA and speak to yet another rep who quotes the $10,541.00 AND that they are processing my reinstatement quote and should have it in 3 days (conveniently the day they need the payment before it requires yet another month). I explain that the attorney told me they have the amount. He places me on hold and says they do but have to get the letter together to show the breakdown of all fees. I ask why it takes 3 days since they already told me the amount due which includes late fees, and it was just turned over to attorney today so literally has one day of legal fees (not even 24 hours actually).

Still no answers and told me NOT to send in my payment of $10,541.00. Sounds like they like to play the drag it out game so they can add more and more fees. Not sure how much these attorney fees are but if they are too high, much like my neighbors, I may just keep this $10,000 and use it for an apartment and just walk away from BOA. Crooks they are.

Eric **, the supposed and appointed moderator for this settlement never returns any communications of ANY KIND and the CFPB is just as broken and dysfunctional, IN MY OPINION, as B of A. Also read the Montana Supreme Court ruling against B of A last year and what one justice had to say about all the "negligent misrepresentation". It spells out all the dirty tricks and insincere efforts, not to mention all the totally wasted money in countless FedEx mailings and the time and effort to discourage people and beat them down with intimidation, threats, and terrible communications. Even our inept Congress just overlooks all these along with most other governmental agencies.

They should have bailed out the homeowners with two stipulations - pay off your mortgage and buy a new car. Thousands of people have been needlessly shafted and put out of their homes needlessly while Bank of America continues to grow and make more money than ever in my humble opinion. It is really sad and even the President and Donald Trump know about this and let it happen. I am a 71 year old Vietnam Veteran and sure could use the help.

Now 3 days prior to closing and another $150 spent on a re-inspection the bank calls and said it is terminated. They said the buyer cannot use the money in savings and that they need to liquidate their IRA for the down payment. ABSURD! I have never heard of this in my 8 years of real estate. The buyer has been with BOA for 13 years and all they have to do is look on past statements to see the progression of deposits from paychecks. This person saved for 13 years to buy house and now they can't because BOA does not understand savings!!!

I was upset and just plain tired of being on the phone for a few days and for over an hour at a time, being transferred to 3 different departments. I just said fine and made the usual payment per our signed legal document filed thru bankruptcy court. Now it's October 20th, I called into Bank of America on October 15 to make our current mortgage payment and the agreed repayment amount and was informed by the consumer affairs department after I was transferred from the bankruptcy department that there was no such repayment plan on file and that I would need to speak to our customer relations manager.

I phoned my customers relations manager on October 16 and attempted to make a payment per our agreement. She then informed me there was no such payment arrangement on file and that I would need to provide proof. She then stated that an agreement with my bankruptcy attorney isn't going to be valid with Bank of America. I informed her it was a document filed thru the courts and was accepted by the Bankruptcy Attorneys thru Bank of America. She then stated I need to provide proof. I became irate and informed her I wanted to speak with a manager and not her. She informed me her manager was not available and gave me a long distance number to contact them. I informed her I needed an 800 #. She advised that was the only number available.

I hung up and spoke with Alicia in the Bankruptcy Department. She put in a request to the Bank of America Bankruptcy Attorneys to send the document in question. We discussed the events that had taken place and the escalated phone call with my customer relations manager. I was really upset and decided to make my mortgage payment and the agreed upon repayment amount via the automated system. The automatic system took my payment and I was finally able to sleep at night for once. I receive a phone call this morning October 20 from Dennis ** from the customer complaint department and she explains to me the reason she phoned me was because I have been unable to make my mortgage payments.

Now I was under the assumption that customer service, customer relations, consumer affairs and the bankruptcy department do not relay information to one another. Every department has different systems and aren't given access clients mortgage information. Now she is able to pull up the agreement that had just been put on file today. I have had this document since February 12, 2015 when it was filed with the court and a copy was sent to Bank of America and their Bankruptcy attorneys. Dennis ** informs me she needs to contact me at a later time as she doesn't understand the legal verbiage on the document and needs to contact the bankruptcy department for advice. I explain it's a legal binding document. She replies she doesn't know that and then informs me her supervisor is reviewing the document is it's null and void since my bankruptcy was lifted.

The repayment plan became in effect February 2015. I have made my payments when my Bankruptcy went from a chapter 13 to a chapter 7 the BK was lifted but I still continued to make payments. Bank of America continued to take my payments and have not returned the $3600 dollars I have been paying to bring my account current. Please advise as to what I can do. I spoke with the bankruptcy department and they have informed me I can be up to date and current if I pay them the full amount due which is $3,798.52. I don't understand. If the repayment plan ends on February 1, 2016 why can't we just finish out the repayment plan since we have been keeping up with our end of the agreement?

We have been using the equity to build on to our home so we refinanced the loan to build a garage. We started the process in June of 2014. Because the area we live in is somewhat unique in the size of the homes and the amount of land they sit on in comparison to the area around us we had to have a physical appraisal done in lieu of a desktop. Because we were tiling a shower when the appraisal was done, they delayed the loan because the house was "under construction."

They told me to finish the tile and call back and they would send the appraiser out for a second time, so we did. Now the balloon was due on the original in August and we were concerned how that would work with the delay and we were advised by Bank of America to continue to make a payment on it but since we were in process of the new loan there would not be an issue with the loan becoming delinquent. We had to beg them to take the payment, get management involved, hours on the phone and everything else under the sun to make a payment because the loan was technically due in full. One side said "do it", the other said "you could not." The shower was finished and the loan closed. A month later Credit Karma alerts me to a negative mark on the credit and guess who.... Bank of America tagged us with a 30 delinquent mark.

Hours upon hours upon hours on the phone and weeks of doing it to get the delinquent mark removed. We were told that we were never told we would be OK and the loan was due and should have been paid etc etc. Bank of America took no responsibility for their instruction. I demanded the tapes with the loan origination folks and Bank of America said they would review them but they did not share the findings of those tapes with us but I will assume they made the case as the mark was removed.

Loan closed in August of 2014. We have made out payments since and our statement comes every month showing what we have available. We contract for our garage to be built this week and go to make a payment for the initial costs and decide we better order a few more checks for the account. We then learn that our account was suspended due to a devaluation of the property. I asked them to explain to me what they are talking about and they inform me that a computer model they use to appraise property value indicated that our value had decreased by $100,000.

They tell me the account was suspended in December of 2014, less than four months after we closed the loan and had a physical appraisal done on the property. For the next 45 minutes I ask question after question and the most frequent answer I get is "That is confidential bank information and I cannot share that with you" but I am expected to answer everything they ask, DOB, social security etc etc.

I explain that there was a physical appraisal done on the property and there has been no market crash in this area, destruction of the home or anything to support their devaluation. I ask them to pull the appraisal that was done and more than one Bank of America associate told me that no appraisal was ever done on the property for Bank of America. One even told me I must be thinking about another mortgage process because it was not them. I speak with several different people and the only option for me is to put together a list of documentation, improvements to the home and anything I can come up with to support that my house is worth more than their computer model states.

The next day we track down the company that did the appraisal and they confirm that they in fact appraised the property for Bank of America and still have the appraisal. Due to regulations they cannot give it to me but they can provide it to Bank of America if they request it from the department that ordered it. I put numerous phone calls into Ryan ** who had been one of the primary contacts when we deal with the loan fiasco in 2014. I explained the issue to his voicemail over a 2 day period and never got a callback. I spent the entire second day talking to voicemail after voicemail and person after person that could not see this or that, or did not have the authority to help me with the issue or anything to put the money in the hands of the contractors outside the house.

One associate tells me the appraisal is right in front of him but I still have to do all the legwork to file the request to remove the account suspension. Once they have all the documents including a copy of my utility bill to prove residency? Really?? They will look it over and let me know where we go from there. They may want to send another appraiser out to walk through the house, recheck the credit and all sorts of fun little stuff.

In the meantime I am over a barrel with the garage construction waiting on Bank of America to review and decide how they want to handle all of this. To me it was a simple as looking over the appraisal to see the difference between the original "desktop appraisal" and the physical appraisal and reach out to that company to "reevaluate" the issue there which would have cleared this up in one phone call. Instead we are entering day 4 with no end in sight and still need the equity to pay for what we have contracted to do.

Just be aware that Bank of America is a very sloppily run company. No two departments can see the same information. Nobody has the authority to do anything or fix anything without some lengthy, drawn out process that will literally require you to devote hours if not days to sitting on the phone explaining and re-explaining the situation in hopes that you get someone that will break away from the script and go "wait a minute, that doesn't sound right." I used some of the corporate emails and have gotten no response from them either. Don't think the customer advocate will do much good for you either.

When I contacted them they told me that the information they saw showed my account was good. In their own words, they could only provide an ear and assist in transferring you around the company to the departments that could attempt to make sense out of everything. Bank of America is by far the worst and most disappointing bank that I have ever dealt with. I don't know what else to say, it's just not good in any way and when something has to be fixed, get ready to do all the work because they cannot even call the people they contract with to get the documentation. Incompetent, do not care, too big to worry about one account and generally not good!

I got a response from the Manager saying that they had a problem with the loan officer. She had a replacement and they will definitely work and get back to me in two days. I called him and left messages and finally sent him an email saying that if it's hard to take calls, they can email me the status and also forward that to the new loan officer for future communication. Nothing... It's one way I call, no response and I send an email, all I get from her is we are cleaning the mess and will get back to you. 3 weeks passed by quickly. I was upset and asked her what is the reason, she said that she will put a word to her Manager. I called him and asked what is it taking so long, I already sent you the credit reports and we have excellent record. This time he says it's not the credit report, it's the value of the home. Really!!! He said the appraiser gave them a value of the home as $ 289,000 but we got another who said it's $ 324,000.

Irrelevant of what value, the amount we asked for loan was $245,000. So, what was holding them to approve? Here is the ACTUAL REASON. We have a loan with BOFA, paying 5.25% rate and it's a 30 year loan. We are now refinancing to a 15 year loan for 3.625%. The loan officer was replaced because she was fair and submitted the application which the manager did not like but they have to have a genuine excuse to deny my application. So first, I was told about credit report then about home value so they could increase my interest rate if I proceed or I will withdraw and I just continue paying the 5.25%. I made up my mind and wrote the manager that I will take my business to other bank. My husband want to sue the bank for fraud. We decided to transfer our accounts and this loan to other bank. I trusted this Bank and stayed with them for 25 years and this is what I get for being a loyal customer.

After the bankruptcy (and having made between 2-3 years of one time payments) BOA now wants a short sale deed in lieu of foreclosure. The attorney I hired did not know what he was doing. You have to get a "reaffirmation of debt." Remember that folks. I recently attended one of BOA's "we are going to help you" scams and they jumped all over me. I just inquired as to maybe having HAMP or HARP or FLORIDA Hardest-Hit. Unfortunately for them I am an ex-navy fighting machine (molder, foundry work, boiler rooms - places most people don't know about or what happens when they shut the only hatch you can exit out of). IS THERE AN ATTORNEY OUT THERE WITH ANY COJONES? Guts, true grit. Please.

Well, I called and they said they could either connect me to their HELOC refinancing department or the modification department. I picked the latter since I can't qualify for a traditional refi with my loan-to-value ratio. Note that I'm completely current on my payments and have NEVER been late (on HELOC or first mortgage). After speaking to a twenty-something rude and very negative customer 'care' representative, I decided to forget the entire thing. Why should I deal with someone like that when I don't really need the help to begin with (I will refrain from using adjectives that truly describe this horrible person and depressing experience).

Anyway, now that I have faxed them my formal 'opt out' letter, it's taking them over 3 weeks, at this point, for them to get me out of that 'pool' of modification customers. And the frustrating part for me, and this may seem trivial, is that when I made the initial call and received some literature (I did NOT sign or fill out anything and did not start the process), they cut off my online web access so I could NOT pay my HELOC online any longer. I have been doing that regularly for the past nine years. Now I have to pay by phone with a $15.00 phone fee. They did reverse ONE $15.00 charge, but I've made 2 additional phone payments since, so they owe me a refund for those two as well.

BofA is a bureaucratic nightmare! Why do they have to 'review' my desire to opt out? I'm not behind in payments. They're just trying to cover their 'rear end' should something come up with HUD or something I suppose. TOTALLY FRUSTRATING. I DESPISE BofA! I'd love to hear from anyone that has gone through this. I don't need their help and I'm so very sorry I ever asked in the first place for some simple information.

I question it because I actually only wanted 77.10% and BOA guidelines for credit are 620 - 640, I was well above that range why did I even need a higher score. Why didn't I find out a few weeks after the underwriter received my application and why did it take 42 days for them to tell me this? I am under a court order. I never got an answer, they diverted me to another 30 yr conv. with 70% cash out refi (why they didn't just adjust the loan amount on the previous one??). They rushed it through processing after I had to get the vice president involved, the underwriters asked me for long list of silly explanations and documentation all of which I provided, within the same day and one document had to wait until the next day. A few days later they denied me based on the length of time I received the most recent amount of spousal support.

I was furious. Both of these denial they would've known within a few weeks of the application because I gave them all the documentation. Now I am missing my court ordered deadline, technically in contempt of court. They want me to go through FHA. So I said fine. Then they are saying no cash out because I haven't made mtg payments in the last year. The current mtg is in my ex husband's name and was a previous order, ordering him to pay it. And I have to receive the current amount of spousal support for 3 months. Oct. will be 3 months. I called FHA to verify they sent me the info and it wasn't what they told me. Apparently BOA has overlays or they are just giving me a hard time. I've received spousal support for over a year just not in the current amount. So I said "fine, send me the paperwork."

This was 13 days ago, I have yet to receive the FHA loan paperwork, I have yet to close but tonight I receive a sketchy email asking for signed disclosures from the second loan that was supposedly denied and they are telling me my FHA loan is the same loan number as my second loan. I am confused. My credit is not bad but it's not great. I just went through a divorce however I know this is not right. I need help.

In 2014 in the process of trying to find a better price for the flood insurance, I received a quote from Allstate, and to my surprise revealed that I was no longer in a mandatory flood zone. I contacted the City of Ridgeland flood zone administrator who verified that information and also informed me that the flood zone map amendment had occurred in March of 2010. I purchased the flood policy from Allstate with the new flood zone X for coverage of $200,000 and $80,000 contents and faxed a copy of the policy and flood zone map to Bank of America.

After several rounds of threatening letters from Bank of America and me faxing numerous copies of the flood zone map and policy, finally it appeared that I had satisfied their demands. My account statement listed my insurance policy coverage of $200,000, date from 4/19/2014 to 4/19/2015, and most importantly with the correct flood zone noted! I thought the problem was solved, but unfortunately that would not be the case.

Once my policy expired this past April 2015, I received a letter from Bank of America stating they were going to apply lender placed insurance on my account for flood zone X, coverage of $200,000 for 390$. This was actually cheaper than the quotes I had been able to get, so I called Bank of America to discuss if I could just pay that monthly as part of an escrow or did I need to pay it in full. He said that I could make monthly payments and designate the additional payment to escrow. So I did that for the next payment in May 2015. However in June, 2015, I received a letter stating that they were purchasing flood insurance for flood zone AE with coverage of $112,582 at a cost of $1,267.35 to my account. I once again faxed a copy of the flood zone map, and a letter from the City of Ridgeland that stated I was in flood zone X and requested for them to remove the flood insurance requirement.

On June 12, Bank of America sent a letter stating that they required a LOMA from FEMA before they could remove the flood insurance and charged my account $1267.35. I applied for the LOMA from FEMA, but did not receive it until August 6, which I immediately faxed a copy to BoA. The LOMA states the effective date of the amendment to the flood map was March 2010. On August 20, 2015, I received a letter stating they were canceling the lender placed flood insurance, but would only credit my account for $889.80 of the 1267.35 to pay for the premiums while the insurance was placed on the account.

On August 23, 2015, I received another letter from BoA stating they were charging my account for a flood policy, zone AE, coverage of $23,556, for the dates of 8/20/2014 to 8/20/2015 for $285.60. I called to find out what that was for, and they said that it was for flood insurance for the shed that was on my property. The house is not in a mandatory flood zone, but the shed is and I have to provide proof that I carried an AE zone flood policy of coverage $23,556 from August of 2014 to August 2015 by October 6th, 2015 or they will charge my account $285.60. Can they charge me premiums for a flood policy from last year that did not exist and I had no notification from them that I was supposed to carry a separate AE zone policy last year for the shed?

My realtor and I both had to double team them and let them know when several deadlines had to be met on my VA loan. Eventually after several complaints to the supervisor you never got back to us with a resolution the file was sent to another loan processor... Eventually everything was signed off on and approved and the closing date was changed by BofA, it was actually changed three times. Bank of America stopped returning my realtor and I's phone calls and emails with us trying to get the close date.

Then all of a sudden today on Monday September 21, 2015 around 10 o'clock a.m. I get a call from a supervisor at Bank of America telling me that my loan has not been approved. I am totally at a loss for words as my jaw drops to the floor. All of my paperwork was approved by then and everything was verified but they told me that there were too many red flags even though they verified all of the information that needed to be verified.

PO'd and have to figure out fast and a hurry where I'm going to live until I can get my loan process through another lending facility... I give Bank of America as many thumbs down as I possibly can and I will be moving all of my accounts to another banking institution.

Called and Tt someone else and explained I wanted to have a new rep. Was put on hold for 20 min. Call then dropped on their end. I never called them again and they never called me back... Thought because I got bank and cc with them it would be convenient to have a mortgage with them. I have perfect credit and 1W00 a week gross.

Two days before we moved M&T said our modification was denied but she's send short sale papers. We finally got 4 different offers and they wouldn't accept any, THEN they sold our mortgage back to BOA!! So here we are dealing with same ** reps. They won't help do short sale or deed in lieu of foreclosure; different rep every time they call us. I've filed 3 complaints with BBB!! I think any of you should. Hopefully someone can finally get BOA to correct their errors and help us poor folk that try our best to get the house sold or hand it over so they can sell it. So much ANXIETY with BOA.

First, I shouldn't have been charged. Second, I shouldn't have to follow up to make sure they credited me back the right amount. The customer service was great in the beginning, but this mistake has left a bad taste in my mouth. This is a large amount to most Americans but not to Bank of America. Good thing I watch my statements.

After all the inspections ($600-$700 later), I was ready to close on the house until 6 days before my scheduled closing date, my loan officer calls and said they have decided not to approve my loan. So, I was stuck without a loan after paying all the inspections and surveys etc. All because my "work history" wasn't stable enough. I just got back from serving in the Peace Corps for 27 months. If that's not stability, I don't know what is. I've never missed a credit card payment in my life with BOA and now they are saying I'm not stable enough. But they couldn't have told me this 3 months ago when I asked about my work history? Something is not right about this system of preapproval yet they knew they weren't going to let me have the money.

Stay away from Bank of America. I do not trust this bunch of unprofessionals. The other bad thing is that you keep calling them and they never answer. Angelica ** will never ever return your calls when she is listed in your paperwork to help. All their workers are not trained well and they will make you waste your time.

Also wrote CEO of Bank of America Brian Moynihan, was assigned customer advocate Anna **. Never talked with her. Left 8 messages each at least a day apart. Some "advocate". Finally received letter saying exactly what dispute department did. I know most people would not have come back after suffering losses like me. But I did and did not fall behind again. Did not get a bailout or help from anyone. If you want a banking institute with no conscience or heart they are for you.

One time, the person that was supposed to be handling my file was either lied to (by their *internal* dept.) or was just lying to us. She told us something was already done when I knew for a fact it wasn't because I was in contact with our association whom they needed to get documents from. A week and heading to a 90-day escrow, I decided to switch and applied at our neighborhood broker without telling BofA. The broker closed the escrow in less than 30 days. I wasted my appraisal money with BofA, paid additional mortgage payments on a loan they were going to charge me closing costs on. The broker gave me the same rate and they paid all the closing costs including the appraisal fee.

BofA found out another lender was working on my home loan just before I closed and asked 'why' as though they were surprised despite that we were at the 90th day escrow with them. I'm taking all our business elsewhere. Paid off the auto loan, CCs and will be removing both our savings (Merrill & regular). I will leave the checking account strictly out of our own convenience.

If I have to pay a penny on anything, I'd pay it towards my outstanding principal or towards home improvements and not on appraisal or refinancing. If I refinance, I'm back to the disadvantageous situation of starting a new loan with most of my payment going towards interest portion of the loan. Is there no law to force the loan holder to strip the PMI after a reasonable portion of the principal has been paid? PMI wouldn't even have been in place if I had started off with a downpayment of 20%. Am I supposed to pay the PMI for the entire 30 years of the term of my loan?

So although they had the correct info on file, they never called me to verify if I was involved. AND my signature was forged on the loan by this con artist. They stated in a written letter to me "You will have to sue us if you want to get off this loan". So at that point, I contacted an attorney. They took me off the loan after a second complaint letter was sent stating, “If you don't take me off this loan and pay my attorney fees, I will sue. They took me off the loan but did not pay attorney fees. They are horrible institution!!!

I have been in my home ten years already with negative equity, reaching retirement age and have a balloon payment which is currently what my home is underwater. A principal reduction would afford me the opportunity to stay in my home. B of A tell me that my investor does not participate in the principal reduction program, and that my loan was not 60 day behind on January 21, 2013, so I get punished for trying to maintain my mortgage payments. I recently submitted paperwork requesting a fixed mortgage interest rate, a principal reduction and the elimination of the balloon payment and B of A denied me. Offered me a short sale or foreclosure. I would like to keep my townhome and there has to be some help for me out there.

We have received numerous foreclosure letters and every time we call we are told, "We don't have your information" or "You have another handler!!" This process is so exhausting! This can't be legal!!! Now, a few days ago we were informed that our house will be up for auction shortly because our paperwork is incomplete!! How can this be ok? How can BofA do this and get away with it!! I've been reading numerous site where other homeowners are going thru the same thing and have lost their homes due to BofA purposely holding off and wrongfully denying homeowners a modification. I've been reading around on numerous websites to find out that BofA is doing this purposely, they are stalling modifications and putting people in foreclosure and taking their homes. They are telling and paying their employees to stall and deny applications! I don't know what to do at this point!

They thought that I was the one that would have them. They were never sent to me. I called every week for two months stating that I had not received the new set of documents. The BOA rep told me that it was being escalated, everything would be fine. A week later I received a notice that I did not turn in my documents on time and my loan modification was revoked and my home is in foreclosure. I immediately called and was treated horrendously, basically called a liar, that I was claiming not to received the corrected documents but they showed them sent. I cried, I couldn't believe this was happening, I asked to speak to my loan manager. I was contacted the next day and told it was their fault and that it was being escalated, not to worry just make my payments as normal until it was resolved. I waited a week, tried to make a payment three times and was denied due to being in a "foreclosure".

I then called back and was told that my manager was waiting to hear from her manager and not to worry until there was a sale date set?!! I asked if I could have in an email or a letter that this was the bank's error and that I was ok. I was told they do not do that by policy. I had to just wait. I am just meant to trust the BOA representatives who give me no definitive answers and no proof to back up the conversations we have over the phone. My manager is nice but I'm left with uncertainty and a foreclosure looming over my head.

In 2007 we purchase another house in las Vegas and we got the loan with Countrywide 6.25% fixed even I had a high credit score. We were paying on time and paying large payments for the 3 houses and very high interest rate for the other 2 houses. We stop making the payments to Indymac and countrywide and we have to close our business etc. I have to file bankruptcy and we lost a lot of money paying to lawyers and with other companies trying to get modifications. We lost the 2 houses in las Vegas and we have to move to colorado, unfortunately we both are disabled and my husband had to file bk 13 in colorado 2 years ago, we have been paying on time to Bank of america who took over Countrywide loans.

In November 2014 The loan was transfer to BSI Financial and we have been making the payments since then to BSI Financial. On June 26/2015 Ventures Trust 2013-I-H-R by MCM Capital Partners, LLC filed a motion for relief from automatic stay, The court granted the order on motion for relief from stay to foreclose and/or take possession and control of property. They filed a document where community mortgage is transferred the loan to them when this company sold the loan to countrywide. I am worry about this. Who I should talk about? I am afraid to keep sending payments to BSI Financial when Ventures trust is saying that they have not received a payment for 7 months.

The payments that I made during the trial modification at seem to have disappeared and now Bank of America was telling me that I am three months behind in my mortgage and are going to initiate with foreclosure proceedings. Not only were they missing my payments made during the trial modification, they also were reporting to my credit bureau that I was three months delinquent on my mortgage. The HAMP Handbook makes clear that the TPP Notice describes the terms and conditions of the trial period. HAMP Handbook, 8.1 Trial Period Plan Notice at 117. Nowhere in the TTP Notice does BOA state that the TPP Payments will cause the loan to be delinquent if the borrower does not receive a HAMP modification. And nowhere in the TPP Notice does it state that the TPP could have any negative impact on the borrower's credit.

Despite holding an excellent credit rating, personal and business checking and savings accounts with BOA, a BOA car loan of 3-4 years in which we have made every payment on time, and our current BOA home mortgage, we were twice declined by cookie-cutter, one-dimensional and short-sighted government guidelines that did not take our entire history into consideration. All of our hard work and sacrifice had not been rewarded while less deserving demographics continue to receive socialistic, short-sighted subsidies and breaks funded by government through our increasing tax dollars. As predicted, the plethora of lame excuses designed to pass the buck certain individuals had the conviction to impersonally decline us but lacked the fortitude to take responsibility for their actions--have been uttered. Yet these reasons still cannot negate facts.

Despite an overall decline in income this is yet another excuse we've just were told--we still met every BOA mortgage payment over the past five years and have added payments in a mortgage plan that is significantly more expensive than the BOA mortgage plan that we've been declined for (which would have facilitated notable savings to us). Ironically, despite our credit and mortgage payment history, the fact that acceptance would have cut our monthly mortgage payments in half, BOA considers us too risky of an investment. Further, we established our impeccable mortgage history while meeting every BOA car loan payment on time over the past 3-4 years. Therefore, we're dazed by the "logic" that influenced overly safe, unyielding guidelines governing our conviction?

Further, despite my wife's employment and my other self-employed earnings, my wife and I are still stunned that the decision-makers stated that I had not amassed enough time as a W2 employee working a specific part-time job at a certain business. In their one-dimensional thinking, they failed to realize that over the past three years my status as W2 employee under a contract company at that place of business, my eventual transfer status to that place of business as a 1099 contractor, and my current transfer to a W2 employee status with that business never affected my work schedule, pay rate or job description. Therefore, despite working every weekend at that place of business over the past three years, I was only credited for the time I became a W2 employee--the past 5-6 months--for that place of business, which they deemed was not enough history!

Again, the salt in the wound is knowing that many lower income, less hard-working and deserving families are granted an easier path. In essence, it seems that X number of years receiving government subsidies overshadows 8.5 years (mortgage and car loan) of hard work, sacrifice, prompt payments, and responsible fiscal management. What message do you think resonates loudest? We do not care to hear about paralyzing, cookie-cutter, one-dimensional governmental guidelines, facilitated by flawed logic, that have been conceived by the same institutions and regulations which caused the real estate bubble to burst in the first place. Such guidelines are not cover but poor concealment from which perfunctory decision-makers hide behind.

Not being naive, we realize that BOA is a massive entity in which two wronged voices do not rate even a hiccup on BOAs grid. It's this same corporate arrogance that emits wooden core values which do not translate to individuals, especially within the middle class. This is why that BOA U2 One motivational video appears ironic. Virtually everyone in that room, despite their feelings of embarrassment, blindly gave a standing ovation similar to those who mechanically follow mortgage guidelines.

At the end of the day, despite PR messages of unity, family, we care, we understand our customers, and core values, BOA doesn't appear to really care what individual people think. They want their employees in lock-step with the company line, even if it means rendering a hollow standing ovation to a failed attempt to sing a motivational jingle. As a retired Major in the US Marine Corps, I know what truly inspired leadership, teamwork and motivation look, sound and feel like. That singing spectacle and BOAs decision-making mortgage refinance process most definitely are not that.

Similar to a chronic disease, these two denials will adversely affect our efforts to refinance through another lender in addition to wasting our time. We are currently searching for a smaller bank that actually cares about our situation and will take our entire picture into consideration. Dissatisfied and disappointed BOA patrons and hard working, responsible and tax-paying Americans.

The quit claim deed portion of the divorce was never completed. When BoA contacted me about the quit claim deed I could not understand how they approved me then stated I needed this to be done before they would complete the modification. This doesn't make sense. I have no idea where my ex-husband is. He is not a part of my son's life and was abusive during the divorce. I advised Bank of America that I did not know his whereabouts and needed some time to get my attorney involved because this sounds shady to me. BoA applied for a postponement on the sale and it was declined even tho they knew we were trying to get this resolved.

It is a shame that BoA is still going thru with this sale after they had already approved me and then changed their mind. So now me and my son will be homeless even tho I completed all the required documents. BoA should not be able to get away with this and I am now collecting all the documents, etc for an attorney to review.

And I told them the pool in the backyard I paid for I wasn't going to put a new one up. They said I wouldn't get that money. They would keep it until I replaced the pool so I lose the pool and the money. What gives them the right to dictate what I fix or replace and what I don't? The dwelling will be repaired but the pool was after the purchase of the house and I paid for it. They are the worst. I told the lady I would pay my back mortgage to get current so they could endorse the check. She said I can't pay because I'm in the modification process. What? That's A Double Standard if I ever heard one. They are a joke. I should burn the check and walk away from the house but my wife wants to stay. Grrrr.

The entire process at BOA was a disaster. And I was lied to (or at least misled) about how I would be able handle my account multiple times. Took me two weeks to establish an online savings account to provide for automatic payments for my account. Instead of using the internet as promised, I am now I'm told the way to get money into that account to make payments with - is to mail it. Was turned down online for the credit card I applied for when BOA said it was necessary to have it to get security codes to use the internet to access my LOC online. Had to go through 3 or 4 departments to get that resolved and then - I still can't use the internet to manage my LOC.

The initial setup of my account by BOA had an interest rate that was higher than it was supposed to be. I called to get it corrected - they corrected the rate but did not credit back the excess interest they were asking me to pay until I called them back to point out that they had not done so. I was told I would have access to the line of credit through the internet for accessing funds and repaying funds. They told me I would be able to access my account using the internet by tying BOA to the bank account I have with my local (non-BOA) bank (this because BOA has only 1 office in Colorado and it is about a 25 minutes drive from me). They have subsequently said that this is not possible (this after they established my LOC with a penalty that will be applied if I close the line before 3 years).

4/24/2015 - I wanted to pay down the balance on the LOC. First I tried to use the internet - a couple of weeks interacting with BOA people I finally was told I couldn't do it. 5/7/2015 - I had my bank send them a bank check - according to BOA they have no idea where it is. I have been using my bank's bill pay system for the last 7 or 8 years and this is the first and only time the recipient hasn't received it. 5/19/2015 - After waiting 12 days to see if BOA could find the check I put a stop payment on the bank check and did a check payment over the phone. BOA indicated that they would be waiving the interest back to when I began this process because of all the problems I was having and because of the stop payment I had to do. My payment over the phone was to have paid my balance to zero.

7/3/2015 - called BOA. Spent 39 minutes talking to someone that didn't have a clue which end was up and trying to get elevated to a supervisor. Had to hang up while on hold for the supervisor because I had to leave for an appointment. Supervisor called me while I was driving - spent 16 minutes going over the same information. She indicated she would call me back on Monday (after weekend). 7/7/2015 - Today is Tuesday. She did not call Monday as promised and has not returned my call today. I have a minimum of 5 1/2 total hours on the phone dealing with this current problem. And probably 10 times that amount of time on the phone with BOA just getting to this problem. Do yourself a favor - AVOID BOA like the plague.

I walk into the Brighton branch and handed the teller the expired payoff statement along with a five dollar bill and a brand new penny. I told her I had just been on the phone with the number on the paper and they told me I could come here to make the payment. The girl tried pushing everything back to me and said the notice was expired. I again told her I was just on the phone with them and was told I could come here to pay this off. She said she would have to call and again tried giving me back the money which I refused to take.

Twenty minutes later she comes back and tells me they can't take CASH! Payment has to be by certified check. Are you kidding me? How much more certified can you get that true currency. By this time I am ready to blow a gasket. How many hoops can they make you jump through to be rid of them? This idiot then gets another idiot on the phone, someone in Texas, who tries to tell me the same thing. I am standing at their counter, not even trying to be quiet at how stupid this bank is being. Had I been an account holder listening to this I would have closed out all my accounts with them immediately. They realized I was not going to ply their game and finally took my $5.01 but told me it wouldn't post until the next day. This was 9:30 AM. I told her whatever as long as I never hear from them again.

If you are a Banker or attorney promulgating this victimization on the rest of us, you should be the guest on the next ISIS video, you would be worthy. If any of you can live with yourselves, you definitely are not worthy to live amongst us, hiding behind phones with voicemail that you will never answer. Filth, you know what you did, no matter how you, the hired gun media, or the misinformed try to rationalize it.

Long story short, Friday 6/26/15, I received a letter - 'so sorry you don't qualify' but we're offering you a new monthly payment for the next 3 months at $460 MORE than your current payment. In the letter it states by accepting this offer, the payment remains the same - it does not go lower! So why the h*LL would we want to pay $460 MORE than we're currently paying??? BofA has rocks in their heads it seems!

We have been transferred, put on hold, lied to and suppose to close on Friday and still no results. One suggestion from the bank was to pay the $54,000 to clear title and they would send her a check when their records recognize the error --- it has been 14 years and they have no record of this loan. Really? The Bank is putting my client in a bad position because her contract states she has clear and marketable title which she thought to be correct. There is no sense of urgency by anyone.

I contacted BofA & spoke with a very nice manager there. He apologized for what had happened & arranged to start a new refinance at the same rate. Another copious amount of paperwork requested and submitted, including another complete set of tax returns for 3 years. Then they request the tax info again. They ask for all this information, then never look at it. I explain I've already submitted 3 yrs of tax returns twice. Then they request additional evidence of reserves, because they cannot use the $8000 in my BofA account for my LLC. I provide my credit union statement.

In February 2015 I received a small inheritance from a relative that passed away. That deposit is reflected in the credit union statement. They request proof of where that deposit came from. Mind you, if you subtract that deposit, there is still more than enough reserve to meet their requirements. I provide the letter from the trustee at Bank of America, who sent the inheritance for my relative. The letter clearly explains the amount of the inheritance. That's not good enough, they want the cancelled check (From Bank of America, the trustee). It's like I'm lying to them. They tell me that all they need is that cancelled check, once that is received my refinance can be scheduled for closing next week.

I contact Bank of America, spend most of the day trying to get to someone that can help me. I finally get someone who agrees to fax them the cancelled check. She was very nice and did it right away. Two hours later, I receive a request for additional tax information from the loan processor. I talk with the loan officer, she says "That's all we need to close the loan". I explain that is what the processor told me earlier in the day about the cancelled check from the small inheritance. She then admits that in addition to the tax information, they will probably need more information about my tax payment. IT NEVER ENDS - It's the old "Carrot and stick" ploy. "All we need is this one more piece of information to close the loan."

Then it's another, and another. I've been with Bank of America for 35 years. All my accounts there with them. The house has been financed with them for 10 years since it was new. My credit score is outstanding, never a late payment or overdrawn account. What gives? It's like they purposely drag this out so the lock expires on the loan. Over 4 months of wasted time and energy. I will NEVER do business with Bank of America again.

Updated 6/29/2015 - I submitted a review titled the same. I rec'd a response from ** at Bank of America telling me to send her a private message with my contact information.. HOW DO I DO THAT. NOBODY WILL RESPOND TO MY REQUESTS FOR HELP ON SENDING A PRIVATE MESSAGE???

I was charged twice for pay-offs which I knew nothing about or who had ordered them. I was going to be charged for various extensions that were none of my doing. My original Home Loan Specialist, Processor, Mortgage Loan Officer (MLO) person had disappeared, got fired, switched jobs so I was passed around to many different Loan Specialists in 3-4 different states. This multi-MLO's also happened during my BoA 2013 denied Refi which also involved a company utilizing BoA's logos, etc. to obtain financial information... This is called fraud.

Here are some other problems that I would respectfully suggest BoA needs to address: too many MLO's, 3-hour business time difference, repeated extensions due to lack of communication and continuity of personnel, dealing with various loan folks who had not done their homework, were unavailable, duplicity or triplicity (if that's a word), or had no access to my loan information to name a few. I called and sent emails repeatedly for status to MLO and processor to no avail.

BoA cancelled my 2015 Refi and have yet to send me any document stating this cancellation or reasons why. I speak for myself and I may not be alone... but what BoA has done to me is egregious. I believe they may be shameless. Interest rates decreased during this mess as well. I stepped up to the plate. Who speaks for the innocent... the consumer, and where is the over-site? Seriously! Done whining for now. Thanks.

UPDATED ON 08/30/2016: This is an addendum to my business response follow-up earlier this August 2016. Received in the mail 08.29.2016 advertisement from a mortgage company. The name and photo seemed familiar. I called and verified from the person himself that he used to work for BoA and had been the initiator of my past denied refi. This man tried to change the subject or asked how he could help me and that I would need to send him documents. I asked him where he got my information with a legal name that not many know I use with businesses only. He continued to skirt around my focused questions.

When I previously asked about this loan consultant's whereabouts, BoA shared that he left the company, was fired, etc. I was also told that I would have to resubmit all my financial documents and that an extension to hold my interest rate, etc. would cost me (hundreds). What the? I am thinking that BoA and their underwriters are also a travel agents for guilt trips! This was not my doing and I did not pay.

I called BoA 08.29.16 and talked with two employees. I asked, "Did you folks sell my confidential information to others and in particular their past loan consultant who initiated my BoA refi and then became MIA (missing in action)? Did he steal it? I called this a Breach of my confidential information. What does BoA have in place so folks they transfer or dismiss do not take or copy the consumers financial (tax, soc. sec., bank, etc.) information? Gag order? BoA manager said she would pass this information onto their "Privacy Breach Team" and they would not be able to get back to me.

This was/is NOT OK! Red flag! Upset? You betcha! Hate to say what next however... Attorney General, State/Federal Real Estate Mortgage folks, Consumers, Monitor Credit Report, etc. Anyone think of anything else... I am all ears! I have no reason to lie, evidenciary documents, and respectfully suggest consumer beware, reality check and clarify on PAPER EVERYTHING. Suggest to BoA: clean up your house, work for us because WE pay your wages! BoA carries my note. BoA mortgage # **, ref. #: **, breach dated: 08.29.2016. This is my own opinion and experience.

Yesterday I did some research, called a bunch of banks including BOA to see if you can get a loan with a EAD card and to my surprise, yes you can. One of the loan officers at the bank even said he did quite a few of them, reviewed my loan and now it's being investigated as to why it was denied. Do you know how deviating it is to have your dream ripped from you the day before closing? I hope karma bites the ** - underwriter - where it hurts the most. Now I'm waiting to see what the investigation reveals about my loan. Hope mine will be a happy ending where I get my house.

In the meantime, I ask Bank of America and Nationstar, who acquired my loan in Jan 2014 for the wet-ink note, they both sent me the wrong note, wrong date, wrong state, wrong name and wrong amount. The only thing right about it was the loan number!! So I told them both, and lo and behold, approx. one month later, both Nationstar and BofA produce a new note, all fixed up!! I firmly believe that they reproduced my note, since not one of them ever had possession of it, as it was securitized, bundled and sold to wall street investor, such as Bank of New York, Mellon whom, according to Nationstar, would not modify my loan, and as owner of my loan they had to "abide by their wishes".

So I wrote to Bank of New York, Mellon and asked them why they would not modify my loan, they wrote me back telling me that they are NOT THE OWNER OF MY LOAN AND HAD NO RIGHT TO FORECLOSE OR MODIFY ON MY HOME!!! So Nationstar and Bank of America, have always lied to me about the owner of my note, the person with the ability to foreclose on my home. I have not sent a mortgage or HELOC payment in months, so Bank of America writes me an intent to foreclose for the owner Bank of New York, Mellon!!!! Not only that, but I want to know how the hell I was ever approved for a refinance in 2003 and then a $50,000.00 HELOC in 2004, that would mean I received $95,000.00 in a two-year period, only taxable income of $20,000.00 for both my husband and I. WHO IN THEIR RIGHT MIND WOULD EVER APPROVE SUCH A LOAN???

Also, for the $50,000 2004 HELOC disbursement to be made to creditors, I have a lien on my house for one of them and the others have no record of receipt of payment, yet the closing attorney provided me with the copies of cancelled checks. I have no idea on Earth what could have possibly happened. All I know is that Bank of America and Nationstar have been nothing but liars. They even provided me with copies of docs signed at closing that have different initial on the bottom and only one set, not the two of us!!!

I have called and called and called to no avail. Today, I advised that I would be speaking with an attorney and a representative from the Resolution department called me back only to tell me that she would look into it and call me back on Monday, June 8th. Repeatedly, she told me that they do not usually remove litigation fees. These were placed on my account AFTER my modification was in place, AFTER I started making the new, modified payments, and AFTER my case was dismissed with the order that both parties are responsible for their own fees. This cannot be legal. Or can it?

BEWARE of predatory, bait & switch tactics used by Bank of America. We paid on this HELOC every month, at least the min payment often more for the ten years. They repeatedly LIED to us about having received the forms (we had proof). They LIED about what they (BOA) would do. Bank of America operates more like Bullies of America instead of a honest truthful legitimate enterprise. BEWARE. Do NOT believe a word BOA tells you. It's what I have learned from MY very nasty experience with BOA! That goes double if you are a veteran or triple+ if you are a disabled US Veteran like me. BOA is very Anti-American and especially discriminates against vets.

Updated 7/01/2015 - We have a complaint already filed here. We got a new Bank of America rep, but little if anything changes. They will bait you then change tactics. ** is our NEW BOA Rep. He is nice and pleasant while he appears to stab you in the back. The basic tactic, after they bait you then change tracks, is to keep you busy and broke with FRUSTRATION added for good measure. One example, ** of BoA sent forms to sign. One of them I noted, the dates did not seem correct to me. Then a week or so later, he complains the dates on a form he sent for us to return were WRONG! What the 7734 usd! I had TOLD him I thought they were wrong and he did not respond at the time I told him.

Another tactic was ** said he needed me to do something at the bank, closest branch was 35+ miles away. I kept my 2pm supposedly face to face appointment only to find out it was to be handled OVER the PHONE from the Bank of America branch. It was nothing that could not have been done without traveling to the out of town branch! They use such tactics just so they can to disrupt your life and make you feel helpless (&/or hopeless) and just want the nightmare to end.

They drown you in paperwork that never ends. And before long, even if you were organized, you will lose track of where you are, if you ever really knew in the first place. Old Bank of America habits never die, I suppose that goes for other US financial entities (Wall st included) as well. The big MONEY entities seem to have no fear of government; case in point is We The People aka USA were forced to Bail the Out and part of the deal is the bankers (that belong behind bars) responsible for the economic meltdown are NOT held Responsible for their acts.

The Holodeck Law (Atty. Linda Kennedy) is alive and well. RUN, do not walk away from Bank of America, as fast as you can. They are out to destroy the American dream, to destroy "We, the People" in any way they can get away with it, while lining their personal pockets on the backs of their "customers." Even if we ever get our complaint settled, and they get every dime due, in a fair, honest and amicable manner, it will take many years to recover from a credit rating of 930 (Feb 2014) that Bank of America worked overtime to trash (down now to about 520). BTW, they did NOT deny making repeated faux credit inquires to maliciously trash our credit score.

I responded and went before the Judge to be told he could not force BOA to work with me. So, I was forced to file ch 13 bk in order to save my home. However, after 20 months of making our plan payments and almost $15,0000.00 received during our attempts to do a modification providing them with document after document after 2 mediations and numerous conciliation calls BOA applied monies towards older past due payments while increasing the late fees, penalties, interest. So, no money was applied towards the principal mtg. They had my husband's income wrong and offering a trial mod however, would not disclose their figures or terms till 3 months after mod was paid..

We informed them several times of his income. After finally acknowledging his income BOA denied our modification in 2 days with our bk atty and mediator and said it would be an impasse and they do not have to modify our loan. However, we were approved for a short sale. And that we do not qualify for any programs as initially thought. Denial says we could Appeal decision. BOA informed us at mediation that day they would not do an Appeal. We could try to do a modification outside of the ch 13 bk case. The reason we did a ch 13 was to try and save our house. I cannot grasp the concept of a short sale opposed to helping us stay in our house. For some reason FHA loans don't qualify for any programs or a reduction in the mortgage or a forbearance as BOA will get their bailout. What about the homeowners?

He went to Bank of America and got pre-qualified for the mortgage, reassured this would be an easy transaction (putting 20% or $42K down). The auction required $2,500 earnest money. He has spent money for an appraisal $425, survey $375, credit check $35, etc. to have the appraiser say that the missing drywall, an inspection for mold on where the roof used to leak, and staples on the stair treads where the carpet used to be creates a safety hazard and must be remedied before funding.

Bank of America Mortgage lending refuses to allow him to escrow the money to make repairs AFTER closing, Bank of America REO refuses to make repairs and increase the contract amount to cover the expense or to allow him access to the property PRIOR to closing to have repairs made for funding. They have intentionally made it impossible to fulfill terms of the purchase contract and apparently neither department talks to each other enough to work out a reasonable solution. He has even offered to escrow 2 times the amount of the appraisers estimated repair cost and make repairs within 30 days of closing. They have terrible customer service and terrible policies. I recommend staying far away from this company.

I'm now questioning and asking BANK OF AMERICA for the Original Loan documents on the COUNTRYWIDE REFINANCE, there are huge mistakes, and so far, I have not received a copy of the original "SIGNED" LOAN PACKET. Without signatures on this packet, the loan becomes NULL, AND VOID!! That's exactly what it says, to date I have received 3+ packets from BANK OF AMERICA, all of them. Irrelevant to what I've requested, DEPT OF JUSTICE STATE OF OREGON, says I won't ever get the documents because the settlement with COUNTRYWIDE is done!! Please help, please!!

Updated on June 16, 2015: It's Debra from Clackamas again, I have received an additional packet of document's from BANK OF AMERICA regarding the COUNTRYWIDE issue. I currently have a stack of packets, all of them irrelevant to my numerous requests. As a reminder, don't throw anything away, not even the envelopes documents come in, keep all FedEx mailings, even the enclosures they come in. Document everything!! I have currently requested the physical check sent to GMAC Mortgage regarding payoff information Bank of America is telling me that because the funds were done through electronic transfer, they cannot provide me with a copy of the physical check, ok....

Then I want proof of the electronic transfer, and the amount. Just to mention, this 2nd lien to GMAC Mortgage was done 2005, the refinance with countrywide was in 2008. The 2nd lien amount keeps increasing, and the amount was principal and interest combined!!! BANK OF AMERICA IS RESPONSIBLE for COUNTRYWIDE, they did take over in July of 2008. RUSHMORE LOAN MANAGEMENT SERVICES LLC needs to be informed what is going on. They are the current servicer as of December 1st 2015. BIG FAT MESS!!!!

When the short sale period expired I was told by the representative of the bank that nothing further was needed from me. Within a couple of weeks I received a letter from an attorney's office telling me that public sale of my home had been set for approximately 7 weeks out. I had been told prior to that, that I could do the deed-in-lieu and be given 90 days to vacate. I was notified by mail that I had a new customer service rep with the bank so I called him on 5/5/15 and was told the bank had tried to reach me on April 4 with regard to a deed-in-lieu and that my phone number was disconnected. The number he quoted to me was my land line number from another state that was disconnected in 2005, 4 years before I even began doing business with Bank of America. They had 2 other numbers for me but he admitted that they did not try either of those numbers. I have no idea where the bank got the old number but I certainly never provided them with that.

I spoke to this rep again on 5/14/15 and was told that the deed-in-lieu people with the bank had tried once again to reach me, once again on the OLD telephone number and that while he would try to help me that the public sale date on my home was moving forward. We are now 4 more days from my conversation with him and I still have not heard from anyone with regard to the deed-in-lieu and apparently he cannot tell me how I can call them directly. I have never been so frustrated in my life! I want to get this settled. I don't want a foreclosure on my credit. And I want them to for once do what they said they would do.

Updated on 06/16/2015: This bank is moving forward with the public sale of my property on Monday June 22, in spite of all my efforts to simply give them a deed-in-lieu of foreclosure for almost a year now. I have begged everyone there to please postpone the sale and accept the deed-in-lieu and I cannot get anyone to help me. Everyone I talk to tells me it is another department's responsibility. I suppose my next step will be an attorney to try and get this travesty halted. This is beginning to feel very personal simply because no one can possibly be so incompetent.

Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report. The e-mail informing us we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.

A month went by and then he says we need a Motion to Sale. I contact my attorney and requested the "Motion to Sale". The attorney stated that they would have to contact all of my debtors first which would be 30 days and then request a court hearing. My attorney stated that this would take 45 to 60 days. When I informed the rep at BOA, he said that the short sale could not remain open that long and to contact BOA when we receive the "Motion to Sale".

In the meantime I was not aware that he close my short sale. SO… when my attorney went to court, a BOA rep was there and said that I did not have a short sale approved in the system Equator and we need to reschedule the hearing. This was a month ago. I have called several times to open the Short Sale process and I have been lied to about what they are doing. No one returns my phone calls when the reps asked me to leave a message. I have been placed on from one person to another, I have encountered reps who are not knowledgeable at all and I am fed up.

I have a court hearing on 5/19/2015, which was request by BOA and the process has not even started or not even opened. I am trying to sell this home but I am to the point where I am I about to throw up my hands and let it foreclose. I am so pissed right now. REP/Case Manager have been ** and ** - which they both say neither of them can help me.

After 9 months of trying I finally ran out of money and could no longer afford my home. I notified the bank and told them we were moving out. I gave them my new address. While trying to expedite the process of foreclosure I get sent a packet to fill out only to be told after its mail in I don't qualify for that and the employee who sent it to me was wrong for doing so. This happened twice (VA loan). After many calls I get the contact number to the attorney who I'd doing my foreclosure for BOA. She said she wasn't given my current address so she couldn't have me served and that's what's been taking so long. (They had my address, received many packages from BOA during this time.)

I finally get served by the local SO. I don't hear anything for a couple months other than the daily third party calls trying to collect for BOA. I call the attorney and she said that BOA has placed a hold on the process due to a home loan remodification. I call BOA and they say they have no record of my home going through foreclosure. I asked they why was I served and why is there an attorney with my file on her desk saying otherwise. I was then told their system crashed and would have to call me back tomorrow. Well over a year into this process. BANK OF AMERICA is easily the worse company I have ever done business with. Due to my own experiences with this company I can easily see why they lost BILLIONS.

So needless to say we are now entering into a short sale and are going to drag the short sale and foreclosure out for a very long time. The ** that is handling our issue called asking if we got our decision from money ** yet. We did not but she knew what it was when she called. We got it 6 days after it was printed and only had 9 days to get the house together and listed. We tried to ask our act rep questions about the short sale but she said that she could not answer anything until we listed the house. I believe in Karma and I know it could take a while to come around but all of money ** employees who I have had contact with and lied to me will have Karma come back on them. Since we have listed we have not heard from money ** nor has our realtor. They are forcing us to lose our home even though we can afford it. If it goes to foreclosure they have met their match.

So after years and years of reassuring noise in writing and in person, we were told "No." Our own wealth manager, a VP, and the bank rep in his office didn't know about the ban. As an extreme position, one could say we were victims of (a) incompetence or (b) misrepresentation. Or both. The blanket ban also applies to military vets and military retirees who stayed overseas, even with VA home loan guarantee. I have held off filing formal complaints with the FTC, the Fed, the NYS banking regulator, the VA, and others only because we feel our own wealth manager shouldn't carry the blame for BofA's position. He has been a positive resource for a decade and apparently he is as angry as we are at the No Exceptions decision. Meanwhile, JP Morgan/Chase, Bank of New York, and another, smaller bank have all said they would welcome our accounts.

Original Review: April 30, 2015

I spoke with a loan officer where we started a loan. He asked me for my debit card as he needs to charge it for credit report fees so I gave it to him but I told him not to take any other fees unless he is pretty sure that the loan would work but the loan defaulted. He promised that everything looks great. I never authorized any payments on my card for appraisal or anything. I told him not to take any appraisal fees until the underwriter approves the loan but he went ahead and he took the money from my account anyway without asking me. I asked him why he took it. He said because I ordered a appraisal without my permission and he then told me that the underwriter didn't approve my loan. I told him refund me my money then which I never told him to take it out of my account. He said no, period.

I would like to get this loan officer questioned and I would like to get my refund back.

Savings and retirement all used up and 8 months later, this is 1st payment we'll miss and denial of mod finally came. What happened to..."If you don't qualify for this program you will qualify for another?" That would be because there is NO other help available. All the "help" they claim to offer is FALSE! All they want is an on time monthly payment. Anyone and everyone else can go suck it. They don't care. They are only going thru the "government motions" from the loan bust to comply with the terms of their OWN agreement. Screw everyone else. And never mind that I have a job now but training is 90 days and income limited during that time.

In short.. no modification, no help, no nothing. We will not be able to pay this month, or the next 2 until late June and by then we will be 3 months behind. I have no idea what is going to happen. Do yourselves a favor and get as far away from these ** as possible. Even if you are NOT in mortgage trouble, please reconsider using them. Go somewhere else or better yet try and pay off your mortgage or not have one at all and stop letting the government and these so called banks own YOU.

I started the process Feb 9, the loan officer was going to do with refinancing through my husbands retirement find as our savings to show proof we have money saved and if we need to borrow in case of hardship we could. I felt like I was seeing relief till our middle person came in the picture (the credit approvals department) was asking all kinds of letters explaining all kinds of reasons and about my certain things on my credit. She wanted a separate letter for everything! I did it, but for some reason I felt she was making it very difficult.

Well now towards when I'm supposed to close apparently by 4/15, I have not received a call back. I have sent emails to my loan officer following up very nicely in regard to what is happening. I just want to make sure that I have to schedule or send payment for May, because I was told if I close by April I won’t have to pay for May. Anyhow, I have not been communicated properly about the final stages about my refinance. I have been the one calling them, and was told everything went ok and approved, now I am waiting for two credit card companies that they stated for me to close out because they will pay it, and I am expecting cash out from that as well.

Well here's the waiting. I emailed my loan officer last Friday and he called me back and said, he doesn't know what the hold up is, but it looks like everything was approved. He then said, I will send an email right now and say, anxious customer wants to know status. I thought to myself, wait a minute anxious customer. I am a customer and now that I have agreed to continue with them and stay with them, made me feel like I should have really shopped around. I like good customer service all the time, not just when they want my business. It should be given all the time!

They deceive, misquote you, underscore the severity of your case, underestimate your honesty. They do not do appraisals, just drive by. My house could be a total wreck inside (not). BOA lies, cheats and rob you of dignity and hope. And all for the good of the INVESTOR. Have spoken with people from Virginia, Simi Valley, Dallas, Denver, Seattle, North Beach Texas, Arkansas and more... All of these contacts said they would help us. THEY DID NOT HELP US. Shame on BOA, President Moynihan, and all those who serve you. We are intelligent and academic people, we just need to be told the truth. Stop this sacred retention program now. Come out and HELP US. God Bless you.